Search found 4232 matches

by longinvest
Sat May 30, 2020 4:03 pm
Forum: Investing - Theory, News & General
Topic: Global Market Portfolio
Replies: 12
Views: 1175

Re: Global Market Portfolio

As for junk bonds, pink sheet stocks, lottery tickets, and casino games, I consider them gambling . Junk bonds don’t belong there because the majority of them are less risky than large-cap stocks. (Just compare how deeply junk bond funds vs total stock funds dipped in March.) Sounds like reaching f...
by longinvest
Sat May 30, 2020 7:32 am
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 223
Views: 43650

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

Using average CPI-U calculated in this and previous posts, here's an inflation-adjusted chart of this forward test expressed in April 2020 dollars:

Image
by longinvest
Sat May 30, 2020 6:49 am
Forum: Investing - Theory, News & General
Topic: Global Market Portfolio
Replies: 12
Views: 1175

Re: Global Market Portfolio

Thanks for your responses, but what I am looking for is the actual Global Market Portfolio beyond only global stocks and global bonds which can, as you have essentially pointed out, be derived from VT and BNDW. This would include other asset classes: TIPS, Commodities, Real Estate beyond REITS, etc...
by longinvest
Fri May 29, 2020 10:01 pm
Forum: Investing - Theory, News & General
Topic: Global Market Portfolio
Replies: 12
Views: 1175

Re: Global Market Portfolio

Maestro G wrote:
Fri May 29, 2020 9:23 pm
Does anyone know where the 2020 Global Market Portfolio weightings can be found?
Maybe you're looking for this thread: Bill Sharpe's preferred portfolio. The global stock/bond (free-float) weightings are regularly updated on the linked thread.
by longinvest
Sun May 24, 2020 11:00 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110449

Re: Jack Bogle - Two Fund Portfolio

Randtor wrote:
Sun May 24, 2020 8:26 pm
Longinvest,
...
Randtor, to keep this thread on topic I've replied in your personal investments thread.
by longinvest
Sun May 24, 2020 10:52 pm
Forum: Personal Investments
Topic: BH for a year now; what to do with new $ from a real estate Sale
Replies: 22
Views: 1893

Re: BH for a year now; what to do with new $ from a real estate Sale

On Abuss368's Two Fund Portfolio thread, forum member Randtor asked me a question. As it's off topic for that thread, I'm replying here. I get that we cannot base the future of any investment on its past performance. But... how did you decide which fund to go with? I am guessing you researched it, i...
by longinvest
Sun May 24, 2020 10:27 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110449

Re: Jack Bogle - Two Fund Portfolio

Dear Randtor, The balanced index fund (VBIAX) actually looks like a very good choice if 60/40 is your AA. In comparing this with VSMGX (Life Strategy Moderate Growth - see "longinvest"'s post on the one fund portfolio), it appears to be a better choice. I did a comparison on the VG website - easy en...
by longinvest
Sat May 23, 2020 6:43 am
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 223
Views: 43650

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

The Bureau of Labor Statistics has published the consumer price index for all urban consumers (CPI-U) for April 2020. We're interested to calculate an average CPI-U to associate with our forward test at the end of April 2020. Here were the last 12 CPI-U values: Month CPI-U 05/2019 256.092 06/2019 25...
by longinvest
Thu May 21, 2020 5:40 pm
Forum: Investing - Theory, News & General
Topic: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?
Replies: 59
Views: 2880

Re: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?

https://www.bogleheads.org/wiki/Tax-efficient_fund_placement This page contains an important warning , which is most often ignored by investors, unfortunately: Tax rates and brackets change frequently. What was a logical tax location one year may turn out to be a poor choice a few years later. Cons...
by longinvest
Thu May 21, 2020 4:53 pm
Forum: Investing - Theory, News & General
Topic: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?
Replies: 59
Views: 2880

Re: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?

Yet I am still left wondering which is the better way to go? The best portfolio during one's lifetime can only be known after the fact , after one's death. Longinvest's 1 fund portfolio - VSMGX Life Strategy Moderate Growth Fund) : I wonder how safe it is to have ALL your eggs in one basket. Yes, t...
by longinvest
Wed May 20, 2020 8:04 am
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 310
Views: 46231

Re: The One-Fund Portfolio as a default suggestion

linter wrote:
Wed May 20, 2020 7:45 am
(okay, thanks, all. didn't mean to dilute this thread. please delete my original post, if you can, and this one as well.)
You're welcome. There's no need to remove your post. On the contrary, my reply might help direct other members to your personal portfolio thread to help you.
by longinvest
Wed May 20, 2020 7:28 am
Forum: Personal Investments
Topic: New (semi) retiree needs help in these dire times
Replies: 8
Views: 1736

Re: New (semi) retiree needs help in these dire times

I'm copying here a personal portfolio question that forum member Linter asked in the One-Fund Portfolio thread: Hi, Longinvest: Is there any reason, other than a constitutional bias in favor of index funds, that VWINX wouldn't work in the VPW world? I'm 65 and struggling to find a way to structure m...
by longinvest
Wed May 20, 2020 6:50 am
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 310
Views: 46231

Re: The One-Fund Portfolio as a default suggestion

I'm 65 and struggling to find a way to structure my assets for retirement. Linter, I see that you have already created a thread in the Personal Investments forum to get help with your personal portfolio. I have replied to your VPW question in this post of your personal portfolio thread and I invite...
by longinvest
Mon May 18, 2020 6:48 pm
Forum: Investing - Theory, News & General
Topic: Formula for % of Income?
Replies: 14
Views: 1521

Re: Formula for % of Income?

Is there a formula is figure out how much you need to contribute to a defined contribution including employer match plan to achieve a % of income? Example let’s I’m 30 just starting out at my place of employment. I currently make $55k a year. But In 37 years my salary with 2% increases will be $114...
by longinvest
Mon May 18, 2020 5:04 pm
Forum: Investing - Theory, News & General
Topic: A Returns Spreadsheet for Bogleheads
Replies: 287
Views: 75283

Re: A Returns Spreadsheet for Bogleheads

1) Is the XLSX supported on the excel for Mac? Somehow I am having issue with Calculation!Y92. Ukwldkat, there's no formula in cell Calculations!Y92. If you meant cell Calculations!Y6, please read this post and the few posts that followed. I haven't tested the XLSX spreadsheet on a Mac, but it work...
by longinvest
Sat May 16, 2020 4:35 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 992
Views: 333840

Re: Variable Percentage Withdrawal (VPW)

I strongly suggest to fully embrace our philosophy which says to never try to time the market . I think you misunderstood what I'm saying. I'm not suggesting to time the market, or to dynamically adjust the growth assumption or anything like that. I'm just saying that it's reasonable to have conser...
by longinvest
Sat May 16, 2020 2:13 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 992
Views: 333840

Re: Variable Percentage Withdrawal (VPW)

What if markets don't eventually return to the mean, as you're tacitly assuming? In that case you're simply withdrawing more than you should and you will have less retirement income later on in life, no? And the solution, if this was a concern, would be to simply anticipate lower market returns. Pe...
by longinvest
Sat May 16, 2020 12:44 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 992
Views: 333840

Re: Variable Percentage Withdrawal (VPW)

The growth trend assumptions indicate 5% growth trend for stocks and 1.9% for bonds. Are these 'real', post-inflation returns or nominal returns? ... they are annualized real returns. The bond and stock growth trends are thus based on historical global inflation-adjusted returns over a period of 11...
by longinvest
Sat May 16, 2020 12:25 pm
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 223
Views: 43650

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

Sorry if this is a stupid question, but how does VPW account for inflation? The growth trend assumptions indicate 5% growth trend for stocks and 1.9% for bonds. Are these 'real', post-inflation returns or nominal returns? JamesJonesJrJr, as your question is related to the VPW method (not to this fo...
by longinvest
Sat May 16, 2020 12:23 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 992
Views: 333840

Re: Variable Percentage Withdrawal (VPW)

In the VPW forward test thread , forum member JamesJonesJrJr asked: Sorry if this is a stupid question, but how does VPW account for inflation? JamesJonesJrJr, the variable percentage withdrawal method is reactive to market returns; withdrawals vary according the the variations of the portfolio from...
by longinvest
Sat May 16, 2020 9:40 am
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 223
Views: 43650

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

The portfolio of the retiree is entirely invested into the Vanguard LifeStrategy Moderate Growth Fund (VSMGX), an automatically-rebalanced low-cost global balanced index One-Fund Portfolio with a 60/40 stock/bond allocation which, as of April 30, 2020, is spread across 3,513 US stocks, 7,468 interna...
by longinvest
Tue May 12, 2020 4:36 pm
Forum: Personal Investments
Topic: Which variable withdrawal strategy?
Replies: 13
Views: 864

Re: Which variable withdrawal strategy?

You might consider taking a look at VPW . https://www.bogleheads.org/wiki/Variable_percentage_withdrawal Do you know have a link for how to modify VPW for longer retirements? I think there's a decent chance humans will start living past 100. Also aiming for depletion at all makes me nervous Embwbam...
by longinvest
Mon May 11, 2020 10:06 pm
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 223
Views: 43650

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

Reported on another thread:
tennisplyr wrote:
Mon May 11, 2020 5:58 pm
Got an email from Ally Bank today saying they are lowering their interest rate to 1.25% from 1.5% on savings accounts.
by longinvest
Sat May 09, 2020 7:09 am
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 223
Views: 43650

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

Here's how the VPW Accumulation And Retirement Worksheet calculated its suggested $5,139 portfolio withdrawal at the end of April 2020 . The retiree will get $2,032/month Social Security payments in 5 years. That's $24,384/year. The percentage for a 5-year withdrawal schedule with a 60/40 stocks/bon...
by longinvest
Sun May 03, 2020 3:41 pm
Forum: Investing - Theory, News & General
Topic: Share your Re-Balancing Strategy
Replies: 25
Views: 1681

Re: Share your Re-Balancing Strategy

I rebalance my portfolio daily using the cash flows of other investors. Actually, Vanguard fund managers do it for me.

I hold an automatically-rebalanced global balanced index One-Fund Portfolio. Such a portfolio is so simple to manage that my wife is able to manage her portfolio.
by longinvest
Sat May 02, 2020 9:46 am
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 223
Views: 43650

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

Forward test as of April 30, 2020 We continue our forward test . Here's a link to the previous entry . As of April 30, 2020, the retiree's portfolio is composed of: Vanguard LifeStrategy Moderate Growth Fund (VSMGX): $915,259.97 Withdrawal cushion (at Ally Bank): $26,689.31 Total Portfolio Balance:...
by longinvest
Sat May 02, 2020 9:32 am
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 223
Views: 43650

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

Portfolio balance as of April 30, 2020 The April 2020 return of the Vanguard LifeStrategy Moderate Growth Fund (VSMGX) was 7.32% and the annual percentage yield (APY) of the Ally savings account was 1.50% . We use account balances as of March 31, 2020 and apply April 2020 growth on investments and ...
by longinvest
Sun Apr 26, 2020 6:57 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 310
Views: 46231

Re: The One-Fund Portfolio as a default suggestion

Longinvest: Would you consider a roboadvisor such as betterment or vanguard digital advisor with a mirrored allocation of stock and bonds be a better choice than say a life strategy fund in that they are using "more tax aware strategies." M1 will rebalance with new contributions. Vanguard has a dig...
by longinvest
Sun Apr 26, 2020 1:44 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 310
Views: 46231

Re: The One-Fund Portfolio as a default suggestion

So you suggest someone at 37% tax rate to hold LifeStrategy/TargetRetirement in taxable? Or an iShares Core Allocation ETF. It would be neat if LifeStrategy and Target Retirement funds were offered as ETFs too. It's forum member Cut-Throat (famous for his Delay Social Security to age 70 and Spend m...
by longinvest
Sun Apr 26, 2020 12:54 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 310
Views: 46231

Re: The One-Fund Portfolio as a default suggestion

Depends how you read it; it's single allocation fund. Due to high tax bracket I can't keep taxable bonds in taxable. This assumes that taxable bonds and tax-exempt bonds have the same before-tax risks and returns. This assumption doesn't hold in real life. There's a lot of uncertainty about the "be...
by longinvest
Sun Apr 26, 2020 12:47 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 310
Views: 46231

Re: The One-Fund Portfolio as a default suggestion

How do you plan to change your asset allocation in taxable once you near retirement? i.e how will you dodge the capital gains hit There are some people who prefer a fixed asset allocation all lifelong, who would choose an appropriate Vanguard LifeStrategy fund or iShares Core Allocation ETF. They p...
by longinvest
Sun Apr 26, 2020 8:17 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 992
Views: 333840

Re: Variable Percentage Withdrawal (VPW)

What would the math look like if the withdrawal table was extended to 100 years? Is there a quick way to figure that out? Dear Travelintime, The VPW Table is already set to hypothetically deliver its last withdrawal at age 99. But, that's not exactly how it's used. Here's why. The VPW retirement ap...
by longinvest
Sat Apr 25, 2020 8:30 am
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 223
Views: 43650

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

Using average CPI-U calculated in this and previous posts, here's an inflation-adjusted chart of this forward test expressed in March 2019 dollars:

Image
by longinvest
Sat Apr 25, 2020 8:30 am
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 223
Views: 43650

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

The Bureau of Labor Statistics has published the consumer price index for all urban consumers (CPI-U) for March 2020. We're interested to calculate an average CPI-U to associate with our forward test at the end of March 2020. Here were the last 12 CPI-U values: Month CPI-U 04/2019 255.548 05/2019 25...
by longinvest
Fri Apr 24, 2020 3:40 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 310
Views: 46231

Re: The One-Fund Portfolio as a default suggestion

How do you plan to change your asset allocation in taxable once you near retirement? i.e how will you dodge the capital gains hit There are some people who prefer a fixed asset allocation all lifelong, who would choose an appropriate Vanguard LifeStrategy fund or iShares Core Allocation ETF. They p...
by longinvest
Wed Apr 22, 2020 7:55 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 992
Views: 333840

Re: Variable Percentage Withdrawal (VPW)

No spreadsheet trick will eliminate the fact that a lump sum of money is borrowed on a home and invested into a portfolio of fluctuating assets hoping that the constant regular withdrawals taken to make mortgage payments will result into a positive outcome. It's leveraged investing. I personally thi...
by longinvest
Wed Apr 22, 2020 6:34 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 992
Views: 333840

Re: Variable Percentage Withdrawal (VPW)

I have a question about how to handle a mortgage being paid off using the VPW spreadsheet. Sorry if this has been addressed before, but I didn't see anything about it. Say I'm retiring at 60, and have a mortgage payment of $2200/month, and it will be paid off at age 65. Is it reasonable to handle t...
by longinvest
Sat Apr 18, 2020 7:41 am
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 223
Views: 43650

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

The portfolio of the retiree is entirely invested into the Vanguard LifeStrategy Moderate Growth Fund (VSMGX), an automatically-rebalanced low-cost global balanced index One-Fund Portfolio with a 60/40 stock/bond allocation spread across 3,535 US stocks, 7,521 international stocks, 9,237 US bonds. a...
by longinvest
Wed Apr 15, 2020 7:23 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 992
Views: 333840

Re: Variable Percentage Withdrawal (VPW)

Dear Jeroly, First of all I had read your earlier post and it did not address the specific points that (a) inflation indexed SPIAs don't address the real inflation risk of runaway inflation (thus providing a false sense of security), and (b) you need less at age 100 than you do at age 80 if you are ...
by longinvest
Mon Apr 13, 2020 6:01 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110449

Re: Vanguard Four Fund Portfolio

Vanguard investment experts now recommend a Four Fund Portfolio of Total Stock, Total International Stock, Total Bond, and Total International Bond. Total International Stock is 40% of the stock allocation. Total International Bond is 30% of the bond allocation. abuss368: Vanguard has been wrong du...
by longinvest
Sun Apr 12, 2020 2:30 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 310
Views: 46231

Re: The One-Fund Portfolio as a default suggestion

Great discussion. In a taxable account, I have been debating whether to put in VSMGX vs mirrored asset allocation using ETF's. I have decided to us mirrored ETF's (35.8 % VTI, 28.3% BND , 23.9% VXUS, 12% BNDX). I plan on putting monthly installments. If I am reading all the opinions above, assuming...
by longinvest
Sun Apr 12, 2020 2:13 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 310
Views: 46231

Re: The One-Fund Portfolio as a default suggestion

Great discussion. In a taxable account, I have been debating whether to put in VSMGX vs mirrored asset allocation using ETF's. I have decided to us mirrored ETF's (35.8 % VTI, 28.3% BND , 23.9% VXUS, 12% BNDX). I plan on putting monthly installments. If I am reading all the opinions above, assuming...
by longinvest
Sun Apr 12, 2020 1:59 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 310
Views: 46231

Re: The One-Fund Portfolio as a default suggestion

Great discussion. In a taxable account, I have been debating whether to put in VSMGX vs mirrored asset allocation using ETF's. I have decided to us mirrored ETF's (35.8 % VTI, 28.3% BND , 23.9% VXUS, 12% BNDX). I plan on putting monthly installments. If I am reading all the opinions above, assuming...
by longinvest
Sun Apr 12, 2020 11:21 am
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 310
Views: 46231

Re: The One-Fund Portfolio as a default suggestion

Here's a post I made on another thread about the mistake of aiming to minimize short-term taxes using simple calculations when making asset allocation and asset location decisions, instead of aiming for higher lifelong after-tax income which requires complex models and reveals a high level of uncert...
by longinvest
Sun Apr 12, 2020 11:10 am
Forum: Personal Investments
Topic: All in one vs Separate fund
Replies: 59
Views: 3182

Re: All in one vs Separate fund

Sounds like you think BND would be better for me. I just don't know enough about your particular situation and about the differences between BND and tax-exempt bond funds to make any specific recommendation. I'm just questioning the "unconditional" recommendations that were made earlier in this thr...
by longinvest
Sun Apr 12, 2020 9:36 am
Forum: Personal Investments
Topic: All in one vs Separate fund
Replies: 59
Views: 3182

Re: All in one vs Separate fund

It can be a bad idea to let the goal of minimizing taxes dictate asset allocation and asset location decisions. The most efficient approach minimize taxes is to have no income and no assets. It's simple to do: one just has to stop working and give away all possessions, leading to reliably win the ta...
by longinvest
Sun Apr 12, 2020 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (2019 Update)
Replies: 136
Views: 15907

Re: Downloadable Social Security Benefit Estimator (2019 Update)

Ok, here is a version which should open and work in Google sheets. I suspect you may need to save a copy for yourself before you can enter your own data? [Edit, I fixed some of the formatting. Also, saved it as a native sheets document rather than an excel document] Neurosphere, I make several Shee...
by longinvest
Sat Apr 11, 2020 10:36 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 992
Views: 333840

Re: Variable Percentage Withdrawal (VPW)

It makes sense to pay more for an inflation indexed annuity so you don't wind up eating dog food in your 90's should inflation rear its ugly head. However, doesn't the risk really kick in when inflation gets much bigger than it currently is? To me, buying an ordinary annuity seems fine when inflati...
by longinvest
Sat Apr 11, 2020 8:42 am
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 223
Views: 43650

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

Here's how the VPW Accumulation And Retirement Worksheet calculated its suggested $4,901 portfolio withdrawal at the end of March 2020 . The retiree will get $2,032/month Social Security payments in 5 years. That's $24,384/year. The percentage for a 5-year withdrawal schedule with a 60/40 stocks/bon...
by longinvest
Fri Apr 10, 2020 10:30 am
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 310
Views: 46231

Re: The One-Fund Portfolio as a default suggestion

After managing a three-fund portfolio for 8 years, I transitioned to a one-fund portfolio early this year. That decision was part of an overall move toward simplicity and acceptance of good enough instead of trying to optimize the details. It has been really freeing to have a single balanced fund. ...