Search found 4938 matches

by grayfox
Fri Jan 18, 2019 9:49 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on the role of Gold in your portfolio?
Replies: 100
Views: 5319

Re: Any thoughts on the role of Gold in your portfolio?

I am curious about the comments where people say they have bullion or coins vs the GLD ETF. If a gold US dollar cost about $1,500 how would you ever use it to buy anything. Assuming things got bad you could not use it to buy bread and water because you would not get any change back unless that is w...
by grayfox
Fri Jan 18, 2019 9:30 am
Forum: Investing - Theory, News & General
Topic: Bogle "5% Gold"
Replies: 36
Views: 3504

Re: Bogle "5% Gold"

*Ask a Venezuelan if it is worthwhile to have a little gold. I am a Venezuelan. I do not think that it is at all worthwhile to have a little gold. Venezuelans are NOT using gold as an alternate currency right now, and no Venezuelan would have the faintest clue of what a fair price for a gold coin w...
by grayfox
Fri Jan 18, 2019 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 78
Views: 8198

Re: Have I Now Become Out of Touch Financially? Aging question...

Breakfast/Lunch at a coffee shop runs $20 each with tip. I was in California not too long ago. Eating breakfast out, including coffee, tip and tax, cost $22 in downtown area. Too expensive for me. Then I found a great breakfast joint outside of downtown in one of the beach cities that was $15 total...
by grayfox
Thu Jan 17, 2019 9:03 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 818
Views: 39518

Re: John Bogle has died at age 89

Great man. How many people enter the world of finance without trying to make as much money for themselves as possible? Not many. John Bogle kept fees low so that the average working stiff could keep as much of their gains as possible.
by grayfox
Thu Jan 17, 2019 7:25 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on the role of Gold in your portfolio?
Replies: 100
Views: 5319

Re: Any thoughts on the role of Gold in your portfolio?

The only problem I have with putting a large sum like $50,000 in physical gold is that I would be foregoing the income that $50,000 could produce. Right now, 5-year CDs at Pen Fed are yielding 3.44%. That's $1,720 per year ($143 per month) in interest that I could either spend or let compound. Not a...
by grayfox
Wed Jan 16, 2019 7:10 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on the role of Gold in your portfolio?
Replies: 100
Views: 5319

Re: Any thoughts on the role of Gold in your portfolio?

John Bogle has 5% in Gold for the Endowment fund he manages as a "5% hedge against some kind of catastrophe." He doesn't say if its in GLD ETF or physical Gold. And he didn't specify the kind of catastrophe. If you follow John Bogle's lead, and your net worth is $1 million, then that would be $50,00...
by grayfox
Tue Jan 15, 2019 7:04 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on the role of Gold in your portfolio?
Replies: 100
Views: 5319

Re: Any thoughts on the role of Gold in your portfolio?

. So it’s best to look at it as an asset with zero correlation with stocks, that has a near-zero expected rate of return, that could sometimes help, but only because of the zero-correlation. It could help in a hyperinflation scenario, but then so would real estate with a mortgage, foreign stocks or...
by grayfox
Mon Jan 14, 2019 12:51 pm
Forum: Investing - Theory, News & General
Topic: Any thoughts on the role of Gold in your portfolio?
Replies: 100
Views: 5319

Re: Any thoughts on the role of Gold in your portfolio?

Yup. Mr. Bogle does this. https://youtu.be/3uJbHREmUs4 Around 56 minutes into the interview Mr. Bogle recommends 5% gold. 57:00 "And then, against two contingencies, just in case, I put 5% in Emerging Market Index, and, I hope your sitting down, 5% in Gold... a 5% hedge against some kind of catastr...
by grayfox
Mon Jan 14, 2019 7:25 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on the role of Gold in your portfolio?
Replies: 100
Views: 5319

Re: Any thoughts on the role of Gold in your portfolio?

Buying Gold does not meet the Economic definition of Investing. In Economics, Savings is Income minus Expenditures, and Investing means using Savings to produce Capital Goods, which are Goods used to produce other Goods, e.g. Factories or Machine Tools. If you use Savings to build a new plant, that ...
by grayfox
Sun Jan 13, 2019 9:58 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on the role of Gold in your portfolio?
Replies: 100
Views: 5319

Re: Any thoughts on the role of Gold in your portfolio?

In the last post I showed minimum variance portfolios using historical data from 2004-2013. But you don't get past returns. So I ran the mean-variance optimization using Expected Returns. This was about c. 2012. I used four assets that matched the Harry Browne permanent Portfolio: Gold (GLD), US Sto...
by grayfox
Sun Jan 13, 2019 8:13 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on the role of Gold in your portfolio?
Replies: 100
Views: 5319

Re: Any thoughts on the role of Gold in your portfolio?

I've been fooling trying to come up with an optimal asset allocation --back testing various portfolios through many different periods. I've noticed my results are almost always improved when I include Gold in my asset allocation at around 5%. By improved I mean less volatility, with almost equivale...
by grayfox
Sat Jan 12, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: How did you solve the pre-medicare healthcare riddle?
Replies: 81
Views: 5599

Re: How did you solve the pre-medicare healthcare riddle?

BH: I would really like to hear some real-life examples of anyone who retired or semi-retired PRE MEDICARE and how they funded healthcare. This assumes you do not have a healthcare agreement with a prior employer. The most obvious solution is one of two spouses taking a job FT or PT primarily for t...
by grayfox
Wed Jan 09, 2019 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: How do I buy gold?
Replies: 55
Views: 3563

Re: How do I buy gold?

stuper1 wrote:
Wed Jan 09, 2019 6:47 pm
Anybody else read the recent book "The Mandibles" by Lionel Shriver? Good reading. Satisfying conclusion.
That sounds pretty good. I may have to get that.
by grayfox
Wed Jan 09, 2019 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: How do I buy gold?
Replies: 55
Views: 3563

Re: How do I buy gold?

A lot of people who live in first world countries like U.S. don't know how bad things can get. There are many examples, but I will use Ukraine. National currency is гривня (hryvnia, Code: UAH). In Sep-1996, exchange rate was $1 = 1.76 UAH (was worth 56.8 U.S. cents) 2000 devalued to $1 = 5.6 UAH 200...
by grayfox
Wed Jan 09, 2019 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: How do I buy gold?
Replies: 55
Views: 3563

Re: How do I buy gold?

Following on to Nisipris's example, take a bunch of quarter ounce gold coins with you to Venezuela. Spend several of them paying for various purchases. See if you come home alive. Indeed. I, for one, am not equipped to survive in a world like the 1500s where you carried physical gold coins in a pur...
by grayfox
Wed Jan 09, 2019 8:26 am
Forum: Investing - Help with Personal Investments
Topic: How do I buy gold?
Replies: 55
Views: 3563

Re: How do I buy gold?

People often cite the problems and expense of holding physical gold such as transport, storage, security, bid/ask spread. These problems are mostly overstated. Gold actually represents a lot of value in a small size and weight and is quite easy to store and transport. A roll of 20 1-oz gold American...
by grayfox
Tue Jan 08, 2019 6:10 pm
Forum: Investing - Theory, News & General
Topic: Safe withdrawal rate at 38 years old
Replies: 95
Views: 7389

Re: Safe withdrawal rate at 38 years old

But how many data points are there for 60 years? The latest 60-year period would be 1958-2018. Then you have to go all the way back to 1898 to get a non-overlapping period. That's reaching back a long way in time. The further back in time, the less relevant the data. The markets have changed a lot o...
by grayfox
Tue Jan 08, 2019 5:52 pm
Forum: Investing - Theory, News & General
Topic: Safe withdrawal rate at 38 years old
Replies: 95
Views: 7389

Re: Safe withdrawal rate at 38 years old

I’m looking at the possibility of selling my company for a large amount of money. My wife and I both own/operate it, so we would both be unemployed in this scenario. We would both find some other form of work, but likely at a much lower income level. For purposes of this question, I want to ignore ...
by grayfox
Tue Jan 08, 2019 9:12 am
Forum: Investing - Theory, News & General
Topic: Embarrassed to ask... dividends and Total Return
Replies: 39
Views: 4706

Re: Embarrassed to ask... dividends and Total Return

Thanks for all these thoughtful rsponses, but still confused. Here's why- if I look at my Vanguard Portal for Vanguard Total Stock ( in IRA; dividends reinvested) under "Personal Performance" I see monthly accounting of "Market Gain/Loss of -$5894.27, "Income Return" of $302.47 and Total Return of ...
by grayfox
Wed Dec 05, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: In Search of... the Inverted Yield Curve
Replies: 33
Views: 3812

Re: In Search of... the Inverted Yield Curve

Update: 12/5/2018 5 months later. FFR = 2.20%. They also added 8-week Treasury (2M) on 10/16/2018. 5Y went less than 3Y on 12/3/2018 Date 1M – FFR 1M-2M 2M-3M 6M-3M 1Y-6M 2Y-1Y 3Y-2Y 5Y-3Y 7Y-5Y 10Y-7Y 20Y-10Y 30Y-20Y 10Y-2Y 07/02/18 -1 16 20 23 8 10 8 4 5 7 30 07/03/18 0 14 21 20 10 9 7 4 6 7 30 07...
by grayfox
Sun Dec 02, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with $6,000 in gold and silver?
Replies: 40
Views: 3440

Re: What would you do with $6,000 in gold and silver?

Hello All, Looking for some advice and would appreciate any feedback. To make a long story short, I was young and dumb back in 2012 and bought about $12,000 worth of physical gold and silver when they were selling at very high prices. Silver was going for about $30 an ounce then compared to about $...
by grayfox
Thu Nov 22, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 94
Views: 10217

Re: Prime MM vs 6-month Treasury in IRA

I was thinking of entering an order in an IRA for some 6-month Treasury bills at the auction that closes on Monday. Vanguard is showing the estimated yield for the 6-month at about 2.51%, while Prime MM SEC yield now is 2.25%. Odds are pretty good that the Fed will increase the federal funds rate (...
by grayfox
Sat Nov 17, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Why I plan on buying a life annuity - even if it is a stupid idea
Replies: 117
Views: 10883

Re: Why I plan on buying a life annuity - even if it is a stupid idea

The only thing dumber than buying a life annuity is not buying a life annuity. I am guessing from this statement that you are being ironic in your post? i.e. you were stating the contrarian argument in an effort to show how incorrect it is? The old Oscar Wilde turnaround trick. I am signing up for ...
by grayfox
Sat Nov 17, 2018 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Why I plan on buying a life annuity - even if it is a stupid idea
Replies: 117
Views: 10883

Re: Why I plan on buying a life annuity - even if it is a stupid idea

A life annuity is a poor investment. All you are doing is giving the insurance company a pile of money, and they hand it back to you, a little at a time. You're just getting your own money back! And if you die early you may not even break even! Meanwhile, the insurance company is making a profit on ...
by grayfox
Sun Oct 28, 2018 8:06 am
Forum: Investing - Theory, News & General
Topic: Barron's Making the Case for Gold
Replies: 153
Views: 12947

Re: Barron's Making the Case for Gold

You can also easily exchange crude oil, copper, pork bellies, used iphones, loose cigarettes, or any number of commodities for local currencies in many major markets. The fact that there are many places to exchange gold is simply a reflection of the reasonably robust market for the commodity. Suppo...
by grayfox
Wed Sep 26, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month"
Replies: 42
Views: 5175

Re: "Find out if your fund is declaring a dividend this month"

VYMI Dividend Declaration Date 9/24/2018. On 9/25/2018 Vanguard showed VYMI Distributions Per share distribution 0.57770 Record date 09/27 Ex-dividend date 09/26 Payable date 10/01 VYMI went ex-dividend today, 9/26/2018. Date Time Bid Ask Open PrevClose 20180926 9:27:00 62.00 63.69 0.00 63.22 20180...
by grayfox
Fri Sep 14, 2018 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Is it LMP/RP, is it Buckets, is it rising equity AA, is it mental accounting, or is it just MLA? (Myopic loss aversion)?
Replies: 17
Views: 1487

Re: Is it LMP/RP, is it Buckets, is it rising equity AA, is it mental accounting, or is it just MLA? (Myopic loss aversi

Dear Bogleheads, I am a long-time reader (back to M* days), but post infrequently. Thanks to you all, and some good fortune, I am approaching an early retirement in a couple of years at age ~57. I am trying to position myself for a secure future, and wanted to bounce some thoughts off of you. I am ...
by grayfox
Thu Sep 13, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3421

Re: How to help teenager fix silly mistakes in math?

The best way to expose errors is to find a solution two different ways. They should agree. If not, there is something wrong with one or both. A variation on this is to make a rough calculation as a sanity check. For example, what the sign should be? What order of magnitude are you expecting? Also, d...
by grayfox
Sun Aug 19, 2018 10:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 91
Views: 10682

Re: Vanguard predicts 10 year equity returns

The ongoing comments about the article promoting market timing are just completely off the mark. For those who are really interested in understanding what Vanguard is talking about, you really should read the full report I linked to earlier--here it is again: Vanguard's economic and market outlook ...
by grayfox
Sun Aug 19, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: Previous 10 year returns predicitions
Replies: 6
Views: 1032

Re: Previous 10 year returns predicitions

First, what was the actual return for S&P 500 for the past 10 years? Say from Jul-2008 to Jul-2018. Assume you invested in Vanguard 500 Index Fund Investor Shares ( VFINX ). From portfoliovisualizer , CAGR = 10.35%. That is nominal return. What about inflation-adjusted return? From BLS CPI Inflation...
by grayfox
Tue Aug 14, 2018 7:10 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107983

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Oh, and by the way, That “Five Monkeys Experiment” Never Happened What! no way! lol. Whether the experiment were real or not, didn't the fact it's widespread already proved its point? Cheers :sharebeer There are actual scientific observations about monkeys that we can learn from. There was one stor...
by grayfox
Tue Aug 14, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107983

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I would like to de-construct the return for U.S. and International into dividend + growth of warnings + valuation change. I can do this for U.S. using ONLINE DATA ROBERT SHILLER . I don't know where to get all the price, earnings and dividend for International stocks. Then we can see where the retur...
by grayfox
Sun Aug 12, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4341

Re: radon mitigation exposure concern, are we at risk?

Here's a good one: Geiger Counter Measuring Vintage Radioactive Red Fiestaware Dinner Plate 27,500 counts per minute. :D Well, that was from the 1930s to 1950s. But now we know better, right? My IPad is Radioactive!!! Did Not Expect That... :oops: ---------- More fun with Geiger Counters: Radioactiv...
by grayfox
Sun Aug 12, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4341

Re: radon mitigation exposure concern, are we at risk?

So basically the pooled studies, American and European, have not found enough evidence to say that low-level radon exposure (100 Bq/m^3) causes lung cancer. Apparently not enough evidence to even say that it is correlated. The only conclusion they can draw is that low-level radon exposure (100 Bq/m^...
by grayfox
Sun Aug 12, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4341

Re: radon mitigation exposure concern, are we at risk?

There is direct evidence that low levels (100 Bq/m3 or 2.7 pCi/L) of radon lead to lung cancer: https://www.epa.gov/radon/health-risk-radon#iowa https://www.epa.gov/sites/production/files/2014-08/documents/euro_rn_pooling.pdf Caoimhin Connell and others seem to ignore the direct evidence. Connell s...
by grayfox
Sat Aug 11, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4341

Re: radon mitigation exposure concern, are we at risk?

Holy cow! This guy has a Geiger Counter and shows that his air filters are radioactive.

Radioactive Material in My Air?

I was watching another video where he testa the rainwater after a rainstorm, and guess what? The rain is also radioactive!
by grayfox
Fri Aug 10, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4341

Re: radon mitigation exposure concern, are we at risk?

We are renting a home and about say 50 yards from us is another home with a radon mitigation system- basically a PVC pipe that is about 16 to 20 feet above and venting out radon. Is this safe for us? Its a bit unnerving because the pipe opening is facing us but obviously its closest to them. What c...
by grayfox
Thu Aug 09, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4341

Re: radon mitigation exposure concern, are we at risk?

Here are some data points for variability, using my Airthings Wave. We live on a hill side, and the lower end of our basement is a 2 car garage. At the garage door side, readings have varied from about 1 to 3. At the far end of the garage, readings have range from 1 to 4.5. It hit 4.5 twice. Intere...
by grayfox
Thu Aug 09, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4341

Re: radon mitigation exposure concern, are we at risk?

One of the biggest scams any homeowner can ever experience. Like others said...radon is everywhere. When you invite someone into your home to test for radon levels...how many times do you think they tell you its ok? Ive never heard of any. They will always tell you to install a vent system. Its not...
by grayfox
Thu Aug 09, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4341

Re: radon mitigation exposure concern, are we at risk?

One time, when I was buying a condo, I hired a home inspector for $300. The next day after the inspection, he called and said that he could do a radon test for an additional $90. He would place canisters in the home for 48 hours. This was a 3rd floor condo and it was still occupied by the seller and...
by grayfox
Thu Aug 09, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: US and UK Deep History: Safe Withdrawal Rates
Replies: 38
Views: 3628

Re: US and UK Deep History: Safe Withdrawal Rates

OK, for U.S. Investors with 70/30 asset allocation, for 30 year withdrawal period: Average max withdrawal rate was 6.6% and half were greater than 6.3%. 75% were in the range 5.0% to 7.9% (mistake. actually 50% in range. 75% above 5.0%) 90% were in the range 4.3% to 9.4% They never showed these gra...
by grayfox
Thu Aug 09, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4341

Re: radon mitigation exposure concern, are we at risk?

Canada has lowered its limit to 200. I did not check all those limits. Note that some countries have lower limits for new construction. WHO recommends a limit of 100. According to this, What is a safe and acceptable level of radon gas? , 200 and 100 are not safe. "A safe level of radon gas is no ra...
by grayfox
Thu Aug 09, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4341

Re: radon mitigation exposure concern, are we at risk?

Sola dosis fact venenum. The Dose makes the Poison. This basic principle of toxicology is credited to Paracelsus. "All things are poison and nothing is without poison; only the dose makes a thing not a poison." So what dose makes radon a poison and at what level is it safe? Here's a table Table 8.4 ...
by grayfox
Wed Aug 08, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4341

Re: radon mitigation exposure concern, are we at risk?

Set of 4 videos from this guy who is an industrial hygienist and deals with human health hazards. Radon 1 of 4: https://youtu.be/TYZglUjLE0Y What is a Curie? 37x10^9 disintegrations per second. (initial decay rate of 1 gram of Radium) What is a picoCurie (pCi)? pico is 10^-12, so 1 pC = 0.037 disint...
by grayfox
Wed Aug 08, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4341

Re: radon mitigation exposure concern, are we at risk?

A basic look at what Radon is: Radon - Periodic Table of Videos: https://youtu.be/mTuC_LrEfbU Radon (Rn 86) is given off as a gas from the radioactive decay of Radium (Ra 88). Radium-226 -> Radon-222 + α α particle is Helium nucleus He.2+ Radon is also radioactive and decays. Half life is 3.8 days. ...
by grayfox
Wed Aug 08, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4341

Re: radon mitigation exposure concern, are we at risk?

Here's a video where a scientist with a Geiger counter tests various things you have around the house. A Geiger counter measures ionizing radiation. Brazil nuts from Brazil are radioactive, but Brazil nuts not from Brazil only 1-2 counts per second on the Geiger counter. Low sodium salt contains K-4...
by grayfox
Wed Aug 08, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: US and UK Deep History: Safe Withdrawal Rates
Replies: 38
Views: 3628

Re: US and UK Deep History: Safe Withdrawal Rates

OK, for U.S. Investors with 70/30 asset allocation, for 30 year withdrawal period: Average max withdrawal rate was 6.6% and half were greater than 6.3%. 75% were in the range 5.0% to 7.9% 90% were in the range 4.3% to 9.4% They never showed these graphs and statistics in the Trinity Study and simila...
by grayfox
Wed Aug 08, 2018 12:46 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4341

Re: radon mitigation exposure concern, are we at risk?

What about other sources of radiation? According to this article, 8 Foods You Didn't Know Are Radioactive Bananas have 3,520 pCi/kg Potatoes 4,500 pCi/kg Carrots 6,800 pCi/kg Lima Beans 4,630 pCi/kg Red Meat 3,000 pCi/kg Low-Sodium Salt 3,000 pCi/kg Beer 390 pCi/kg Brazil Nuts 6,600 pCi/kg These num...
by grayfox
Tue Aug 07, 2018 9:20 pm
Forum: Investing - Theory, News & General
Topic: US and UK Deep History: Safe Withdrawal Rates
Replies: 38
Views: 3628

Re: US and UK Deep History: Safe Withdrawal Rates

Would it be too much trouble to ask for some additional statistics. LOL, you are asking a LOT of questions... Let's see... Yearly or Monthly Data? => this is based on annual data, this is all we have that far back in time. => also remember that for the UK, we had to emulate IT bonds with 50% bills ...
by grayfox
Tue Aug 07, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: US and UK Deep History: Safe Withdrawal Rates
Replies: 38
Views: 3628

Re: US and UK Deep History: Safe Withdrawal Rates

Thanks for posting this info. I, for one, would like to see the whole graph for 40 years. I'm curious about how the SWR varied over time, and am interested in the average and max, not just the minimum. Here are the two main graphs. I really have to insist though on how crucial it is for early retir...