Search found 19 matches

by sengsational
Tue Feb 14, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone using i-orp as a guide for withdrawals?
Replies: 44
Views: 5060

Re: Anyone using i-orp as a guide for withdrawals?

The numbers were obviously too high and upon inspection I discovered the tax calculations didn't make any sense. But that was a while ago, they may have worked on the tax part. It isn't easy though, you basically have to replicate tax software to do this right and have it work for a wide audience. ...
by sengsational
Tue Feb 14, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Using PE10 to limit withdrawal rate
Replies: 8
Views: 1405

Re: Using PE10 to limit withdrawal rate

heyyou wrote:So has Michael McClung in Living Off Your Money.
Thanks for the pointer to that. I just defined a function, completely out of thin air, but that looked like it smoothed the bumps. I never even searched for someone who was there before me (although I knew there had to be).
by sengsational
Tue Feb 14, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Using PE10 to limit withdrawal rate
Replies: 8
Views: 1405

Re: Using PE10 to limit withdrawal rate

Most CAPE10 things make two relatively large errors: they are historically anachronistic and they don't mimic your actual asset allocation. I'm not worried about the average PE10. If the current PE is near the historical average, nothing happens to limit withdrawals. And the average has been pretty...
by sengsational
Mon Feb 13, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Variable Withdrawal Strategy
Replies: 3
Views: 666

Re: Variable Withdrawal Strategy

I should have searched harder before I started a new thread!
by sengsational
Mon Feb 13, 2017 6:06 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 740
Views: 229964

Re: Variable Percentage Withdrawal (VPW)

This is an interesting sheet / technique. I had not run into it until I started on a separate project that has the same kind of flavor to it.

Not wanting to hijack this thread, I've started a new one: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=210958#p3237343
by sengsational
Mon Feb 13, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Using PE10 to limit withdrawal rate
Replies: 8
Views: 1405

Using PE10 to limit withdrawal rate

I've been toying with the idea to use the retiree's current investment balance, the equities allocation percent, and also the current market's PE10 / CAPE, all to calculate a withdrawal rate. The idea is that if the market is in the "historically high" range, and you're heavy in equities, ...
by sengsational
Thu Jan 19, 2017 11:09 am
Forum: Investing - Theory, News & General
Topic: PE10: Can someone explain multpl.com results from Shiller's data?
Replies: 0
Views: 260

PE10: Can someone explain multpl.com results from Shiller's data?

When I compare the PE10 from the source (http://www.econ.yale.edu/~shiller/data/chapt26.xlsx) to what I find on (http://www.multpl.com/shiller-pe/table), it's not the same. Can someone explain the math that would transform the source data to this other value?
by sengsational
Sat Dec 19, 2015 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 51638

Re: Vanguard TurboTax - Not Available 2015?

2015 Block

It says $9.95 on the mailing folder. $14.95 if you want the state.

iso: https://drive.google.com/open?id=0B5wbK ... FJRLTc4NjQ
by sengsational
Wed Apr 29, 2015 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 338
Views: 130696

i-orp Comparison

I spent quite a while trying to "import" the test model from i-orp to RPM. First I ran the macro to clear out the starting data. I've got it so you can paste-in the i-orp parameters (bottom of the results tab), and those should go to the right input fields in RPM. I manually figured the sp...
by sengsational
Tue Apr 28, 2015 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 338
Views: 130696

Re: Dipping a Toe In - a cookbook to loading an i-orp model

The test result, along with the factors used, is shown at the bottom of the Results page below the yellow line (currently line 692). The mapping of the ORP factors used in RPM is also shown here, providing a partial help to those using both models should they stumble across this section. I didn't s...
by sengsational
Mon Apr 27, 2015 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 338
Views: 130696

Dipping a Toe In - a cookbook to loading an i-orp model

I will admit that I've tried before, never quite got a level of comfort with the model, and gave-up. I thought I would try again, and while doing so, had an idea that might widen the audience for the model: a set of step-by-step instructions for loading a model from i-orp. The good news with a model...
by sengsational
Mon Sep 09, 2013 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Money Out of the 529 Account
Replies: 4
Views: 870

Re: Getting Money Out of the 529 Account

Thanks for doing that research. It sounds like the qualified higher education expenses outflows and the scholarship rule outflows both fall into the same category with respect to the timing (aligning in the calendar year incurred/experienced). I had not made that conclusion, but I think it sounds re...
by sengsational
Sun Sep 08, 2013 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 338
Views: 130696

Re: Keeping Taxable Account Positive with B40 zero

Cell B40, Taxable Withdrawals, once had a purpose in the model but is now probably unnecessary, but leaving it zero still requires the user to adequately fund the taxable account for living expenses by manipulating withdrawals from IRAs. The model is not designed to do this automatically. Thanks fo...
by sengsational
Sun Sep 08, 2013 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Money Out of the 529 Account
Replies: 4
Views: 870

Getting Money Out of the 529 Account

I have a leftover balance in a 529 account and do not want to change the beneficiary to another family member. I just learned about the "scholarship rule" that allows amounts up to scholarship funds received to escape the 10% penalty (although I understand taxes still are to be paid on gai...
by sengsational
Sat Aug 31, 2013 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 338
Views: 130696

Keeping Taxable Account Positive with B40 zero

I might just be missing something basic here, but I'm having trouble when attempting to iterate on the B34 through B41 inputs to get non-zero balance in taxable. From the sample as a starting point, I turn off lump sum events, change B17, 18, and 19 to 150K, 600K, 150K, respectively, and set B32 thr...
by sengsational
Sun Feb 24, 2013 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating Asset Allocation with Country
Replies: 2
Views: 308

Calculating Asset Allocation with Country

I'd like to get opinions about proper calculation of asset allocation when the split includes the country of investment. If I'm looking at an ETF or Mutual fund, I can go to the fund site and they have a list of countries and percentages. That's easy enough, but what if I have a specific stock holdi...
by sengsational
Sun Mar 20, 2011 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: NYT: Roth IRA conversion can hurt college aid
Replies: 18
Views: 3599

A conversion will increase your AGI that year. Your AGI is certainly reported on the FAFSA. Furthermore, almost all the colleges that my child applied for financial aid to also requested a copy of our tax return. Remember that the EFC depends on your AGI and other things. All true. But what seems t...
by sengsational
Sat Feb 05, 2011 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax completely messed up on Roth recharacterizations !!
Replies: 16
Views: 3257

H&R Block at Home seemed to handle my recharacterization correctly. I entered it and it popped up a little screen about how recharacterized money is not taxable. The box said not taxable in 2010, I suppose? Because it is taxable, just if you picked the 50/50 split it isn't taxable in 2010. My e...
by sengsational
Sat Feb 05, 2011 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax completely messed up on Roth recharacterizations !!
Replies: 16
Views: 3257

I was mistaken about this, because I hadn't gotten to the screen where it asks if you want to take the conversion income all in 2010 or split it between 2011 and 2012. It assumes the latter until/if you tell it otherwise, so that's why I was seeing a taxable amount if ZERO. Rusty, You have not chec...