Search found 283 matches

by R2D2
Sun Jun 16, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?
Replies: 7
Views: 387

Re: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?

Its all the same. Check my screen name. Its all the same. But keep in mind....your email address, your channel lineup, the 1/2 day you'll spend waiting for them to do the installation, its all part of the cost of switching. Push them hard...ask to speak to their retention group....ask for a supervi...
by R2D2
Sun Jun 16, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?
Replies: 7
Views: 387

Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?

I've had a Verizon Fios bundle in NYC for several years, and now that my contract is expiring, they want to raise the rates. (Roughly $128 to $148.) I was thinking of just getting internet from them and dropping tv & phone. I can use Amazon Fire TV / Netflix / etc to get the tv shows I want. That dr...
by R2D2
Tue Jun 11, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can someone explain the TVM withdrawal method?
Replies: 2
Views: 322

Re: Can someone explain the TVM withdrawal method?

Thanks. I've read that post and I still don't get it. Here's what I gathered: Figure out your net worth and how many periods you want it to last. Figure out the expected real return of your portfolio. Calculate the withdrawal amount each period so that you can increase the withdrawal with CPI and ex...
by R2D2
Tue Jun 11, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Can someone explain the TVM withdrawal method?
Replies: 2
Views: 322

Can someone explain the TVM withdrawal method?

I've seen numerous threads on VPW vs TVM. VPW is very easy for me to understand; there's a table saying what percentage of your net worth you can spend each year. I've never been able to find a summary of the TVM method. I understand what time value of money is (and yes, I know that this is what TVM...
by R2D2
Sat Jun 08, 2019 9:57 am
Forum: Investing - Theory, News & General
Topic: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?
Replies: 39
Views: 2089

Re: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?

I don't think you can know in advance which is the cheaper option because it depends on how the market does during the payback period. If you took a 401k loan in 2007 before the stock market tanked and kept your job long enough to pay it back in 2012 you would look very smart since you repurchased ...
by R2D2
Sat Jun 08, 2019 8:28 am
Forum: Investing - Theory, News & General
Topic: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?
Replies: 39
Views: 2089

Re: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?

Not to toot my own horn, but I think the "grand unified" post clears up all these issues and recent questions.

I really appreciate everyone on this thread who helped me understand this issue!
by R2D2
Thu May 30, 2019 2:32 pm
Forum: Investing - Theory, News & General
Topic: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?
Replies: 39
Views: 2089

Re: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?

R2D2, Why do you say the bond fund gives a guaranteed rate? Don't see why it would over the life of the loan. Also, the rate of most HELOCs will change as interest rates go up and down. I believe that a lot of HELOCs are fixed for a period and then can float after that. I figured it's reasonable to...
by R2D2
Thu May 30, 2019 1:41 pm
Forum: Investing - Theory, News & General
Topic: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?
Replies: 39
Views: 2089

Re: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?

Ok, here's the grand unified theory of 401(k) loans. Suppose you have $1 in your 401k and it's in a bond fund earning a guaranteed rate of return of "r" (e.g. 0.025, or 2.5%). You need to borrow $1 and pay it back in a year. Your 401k will charge you an interest rate of L (L stands for "loan"). In t...
by R2D2
Tue May 28, 2019 8:27 am
Forum: Investing - Theory, News & General
Topic: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?
Replies: 39
Views: 2089

Re: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?

I don’t believe it matters too much. Using some made up numbers for a $20,000 loan and paying back at the end of 1 year: From the perspective of the cash from checking account, there is no difference: - Borrow from 401K @5%; Add $20,000 at start of loan; pay back $20,000 + $1,000 interest = $21,000...
by R2D2
Tue May 28, 2019 8:11 am
Forum: Investing - Theory, News & General
Topic: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?
Replies: 39
Views: 2089

Re: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?

I don’t believe it matters too much. Using some made up numbers for a $20,000 loan and paying back at the end of 1 year: From the perspective of the cash from checking account, there is no difference: - Borrow from 401K @5%; Add $20,000 at start of loan; pay back $20,000 + $1,000 interest = $21,000...
by R2D2
Tue May 28, 2019 8:08 am
Forum: Investing - Theory, News & General
Topic: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?
Replies: 39
Views: 2089

Re: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?

On the question of "after-tax interest", I think that he will be paying interest expense with after-tax dollars, whether he's paying interest on 401(k) loan or on HELOC. So I don't think that the question of after-tax interest is a deciding factor. Aha, good point! But it is relevant that the 401k ...
by R2D2
Tue May 28, 2019 7:23 am
Forum: Investing - Theory, News & General
Topic: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?
Replies: 39
Views: 2089

Re: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?

I'm having trouble figuring this one out, and part of the reason is that I can't figure out what's so bad about paying interest to yourself for a 401(k) loan. Am I missing something or is it completely fine that he's paying interest into his own 401(k)? He took a loan from his tax-deferred money. H...
by R2D2
Tue May 28, 2019 6:02 am
Forum: Investing - Theory, News & General
Topic: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?
Replies: 39
Views: 2089

Re: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?

Spirit Rider: Good point. I'll find out. delamer: I don't know the interest rate; I'll ask. Does it even matter though? Aren't you just paying the interest to yourself? This is something that's always confused me about 401(k) loans. ResearchMed: For the reason you gave, I don't really want to consi...
by R2D2
Mon May 27, 2019 8:44 pm
Forum: Investing - Theory, News & General
Topic: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?
Replies: 39
Views: 2089

Re: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?

If possible, I would pay back the 401 loan in a lump sum from the HELOC. In general, I’m opposed to borrowing from retirement accounts. Therefore, to my thinking, the “right” thing to do initially would have been to get the HELOC loan. Your friend needed money faster, so he took the 401 loan, but n...
by R2D2
Mon May 27, 2019 8:21 pm
Forum: Investing - Theory, News & General
Topic: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?
Replies: 39
Views: 2089

Re: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?

Spirit Rider: Good point. I'll find out. delamer: I don't know the interest rate; I'll ask. Does it even matter though? Aren't you just paying the interest to yourself? This is something that's always confused me about 401(k) loans. ResearchMed: For the reason you gave, I don't really want to consid...
by R2D2
Mon May 27, 2019 5:39 pm
Forum: Investing - Theory, News & General
Topic: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?
Replies: 39
Views: 2089

Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?

My friend needed cash for home repairs from a natural disaster. He was able to eventually get a HELOC, but in the interim, he borrowed money from his 401(k). The 401(k) loan is being paid back with interest through payroll deductions. Now he has a choice: 1. Let this process continue until the 401(k...
by R2D2
Tue May 14, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Worth Fighting a Speeding Ticket?
Replies: 64
Views: 4278

Re: Worth Fighting a Speeding Ticket?

These types of threads always bring out the moralizers who want to lecture the OP while they themselves probably were speeding in the last 12 hours.

I do learn a lot from all the posts that contain good advice though re. insurance / court costs / etc.
by R2D2
Wed Apr 24, 2019 5:25 pm
Forum: Forum Issues and Administration
Topic: Two pet peeves: Signatures and quoting pages of text
Replies: 20
Views: 1481

Re: Two pet peeves: Signatures and quoting pages of text

megabad wrote:
Wed Apr 24, 2019 1:12 pm
RE: Item 2. Sometimes when the OP is very long and is interlaced with questions, I find it easier to respond inside a quoted reply to each question.
Yeah, I think that's a great idea. What gets me is when someone quotes 4 pages of text, and then puts their response on the bottom.
by R2D2
Wed Apr 24, 2019 12:54 pm
Forum: Forum Issues and Administration
Topic: Two pet peeves: Signatures and quoting pages of text
Replies: 20
Views: 1481

Two pet peeves: Signatures and quoting pages of text

I love this site and it provides a lot of value to me, so I hope the contributors here don't take offense. But here are two things that bug me: 1. Just about every "signature". I don't want to single out any particular one, but they are often pointless and cliche and the internet equivalent of speak...
by R2D2
Wed Apr 24, 2019 12:49 pm
Forum: Personal Investments
Topic: Moving HSA from old job to Fidelity -- will I have to pay any fees?
Replies: 8
Views: 611

Re: Moving HSA from old job to Fidelity -- will I have to pay any fees?

Wow, there's a lot there. I think I might wait a year and see if Vanguard starts offering HSA's. That way I won't have to create another account with another institution.
by R2D2
Wed Apr 24, 2019 9:12 am
Forum: Personal Investments
Topic: Moving HSA from old job to Fidelity -- will I have to pay any fees?
Replies: 8
Views: 611

Moving HSA from old job to Fidelity -- will I have to pay any fees?

I had an HSA at my old job. I still have money in there, but I no longer have a high deductible health insurance plan. The HSA is run by an administrator that charges a monthly fee, so I was thinking of switching to Fidelity. I found this thread about HSA's at Fidelity: https://www.bogleheads.org/fo...
by R2D2
Mon Nov 12, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 95
Views: 8478

Re: Finances in NYC

If you look at Bankrates cost of living calculator you see that $58k in Columbus is equivalent to $145k in Manhattan and $111k in Brooklyn, with the difference being rent/mortgage. From a financial perspective the new wage is comprobale to your current wage adjusted for COL in NYC. OP, I would enco...
by R2D2
Sun Nov 11, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 95
Views: 8478

Re: Finances in NYC

NYCguy wrote:
Sat Nov 10, 2018 8:28 am
In a New York minute. You sum it up when you say professionally it is a no brainer.

New York remains a land of opportunity, particularly for the young and skilled. I am guessing you meet that description.
Bingo.

My only advice would be do everything possible to *not* pay an apartment broker.
by R2D2
Tue Oct 30, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Company options and non-compete agreements
Replies: 16
Views: 971

Re: Company options and non-compete agreements

Sounds like you're getting some good advice here. I would just add a few things: People often look at their non-compete and say, "Well it only covers X, Y, and Z and it's only for one year." What they don't realize is that: 1. You probably don't want to be unemployed for 1 year. 2. If you are, it's ...
by R2D2
Wed Oct 17, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Zion Nat'l Park & mosquitos in October?
Replies: 17
Views: 1498

Re: Zion Nat'l Park & mosquitos in October?

Steelersfan wrote:
Tue Oct 16, 2018 7:18 pm
AccuWeather has a mosquito forecast just for you:

https://www.accuweather.com/en/us/zion- ... /28252_poi
Wow, this is great! I had no idea there was such a thing.
Thanks for all the replies.
by R2D2
Tue Oct 16, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Zion Nat'l Park & mosquitos in October?
Replies: 17
Views: 1498

Re: Zion Nat'l Park & mosquitos in October?

MJS wrote:
Tue Oct 16, 2018 1:04 pm
Contact info for Zion NP
https://www.nps.gov/zion/contacts.htm
Thanks MJS!
by R2D2
Tue Oct 16, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Zion Nat'l Park & mosquitos in October?
Replies: 17
Views: 1498

Re: Zion Nat'l Park & mosquitos in October?

Kdsunday & Watty: Thanks for the helpful replies. Kdsunday, It's actually quite useful to know that you're a mosquito magnet like me. Watty, good idea about calling the park. Shallowpockets: This is not helpful at all. I don't want to pay extra to check a bag, and bug spray doesn't travel well as it...
by R2D2
Mon Oct 15, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Zion Nat'l Park & mosquitos in October?
Replies: 17
Views: 1498

Zion Nat'l Park & mosquitos in October?

First, thanks for all the advice on this board wrt visiting national parks. We are going to be hiking in Zion National Park later this October, and I'm trying to figure out if I need to pack insect repellent. On the one hand, it's October (and not very warm!); on the other hand, I'm a mosquito magne...
by R2D2
Tue Oct 09, 2018 2:49 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: 111106

Re: Correlation

Correlation does not capture magnitude, only direction. This may be a mistake according to this definition: The Pearson correlation coefficient is a number between -1 and +1 that measures both the strength and direction of the linear relationship between two variables. The magnitude of the number r...
by R2D2
Mon Oct 01, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 148
Views: 19354

Re: Should we stay in Crazytown because there's no where to run?

Maybe consider buying something expensive, but necessary*, with some of your gains or new contributions you aren't comfortable investing. Replacement vehicle, new roof/water heater/HVAC, pay off mortgage etc... Deferrable expenses that will eventually come due. So, if/when a downturn does hit, you ...
by R2D2
Fri Sep 28, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Deductibles
Replies: 19
Views: 1575

Re: Auto Deductibles

I'm curious about this too. I haven't priced auto insurance in a while, but I do seem to remember that the premiums didn't drop much as you increased the deductible. Any other data points?
by R2D2
Wed Sep 26, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Electric Shaver/Beard Trimmer
Replies: 21
Views: 1940

Re: Electric Shaver/Beard Trimmer

I really liked my Phillips Norelco electric shaver for the first few weeks. It seemed to work at least as well as a regular blade. Then after a few weeks, it would get worse. At this point, I had to use a regular blade a few times a week since the electric just wasn't good enough. Replacing the blad...
by R2D2
Mon Sep 24, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: Siegel: 'stocks are overvalued on a long-term basis, but bonds are enormously overvalued on a long-term basis'
Replies: 74
Views: 8230

Re: Siegel: 'stocks are overvalued on a long-term basis, but bonds are enormously overvalued on a long-term basis'

Interesting article on Siegel and Shiller that I thought I’d share here: http://knowledge.wharton.upenn.edu/article/siegel-shiller-stock-market/ Siegel: - The CAPE ratio might be permanently higher due to indexing lowering costs for investors (an interesting argument that I had not heard of before)...
by R2D2
Mon Sep 10, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com
Replies: 69
Views: 6025

Re: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com

Hyperborea wrote:
Mon Sep 10, 2018 12:43 pm
For longer retirements, once you've passed the SOR window of the first 10 years or so...
Thanks for explaining!
by R2D2
Mon Sep 10, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com
Replies: 69
Views: 6025

Re: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com

You are using unrealistically pessimistic assumptions. People have been predicting low equity returns over the next decade for well over a decade. I haven't seen a compelling argument to expect less than 8-10% going forward, maybe a bit more for a heavily tilted portfolio.The pessimistic prediction...
by R2D2
Mon Sep 10, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com
Replies: 69
Views: 6025

Re: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com

By the way, you can pretty easily do these bootstrapping experiments with Simba spreadsheet and excel running eg 10000 runs with "Data Table" function. I went down a similar path with 50/50 for 40y and came out with 3.5% SWR. I assumed 3% for stocks for the next 15 years and one percent for Bonds (...
by R2D2
Fri Sep 07, 2018 9:15 pm
Forum: Investing - Theory, News & General
Topic: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com
Replies: 69
Views: 6025

Re: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com

Or it might be pretty historically bad 90 years. What are the odds the next 90 or so years will have 2 World wars, a great depression caused by poor government action, another 3 police action/wars, an oil shock/stagflation with poor government response, and then some more deregulation to cause a re...
by R2D2
Thu Sep 06, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 5409

Re: To Be or Not to Be...Married

I'm glad the OP is considering the financial impact of marriage, and I'm glad some people are helping her out. I'm disappointed by the tone of some of the other responses though, especially those people chastising her for asking internet randos for advice. This is the entire point of this forum. But...
by R2D2
Wed Sep 05, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com
Replies: 69
Views: 6025

Re: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com

I don't see a lot of them on the streets living out of cardboard boxes. Certainly not 18% of them. In fact, none of them. I get what you're saying, but to be fair, that "18% case" would strike many people at once or not hit anybody at all. For example, if we had a really bad drawdown in equities an...
by R2D2
Wed Sep 05, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com
Replies: 69
Views: 6025

Re: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com

Math doesn't solve every problem.....Convincing yourself you are using math to solve a non-mathematical problem is not good. If you aren't using historical data, what numbers are you using in the "math"? I like the way we're using scare quotes on "math". :D There are certainly alternatives to using...
by R2D2
Tue Sep 04, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com
Replies: 69
Views: 6025

Re: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com

Math doesn't solve every problem.....Convincing yourself you are using math to solve a non-mathematical problem is not good. If you aren't using historical data, what numbers are you using in the "math"? I like the way we're using scare quotes on "math". :D There are certainly alternatives to using...
by R2D2
Sun Sep 02, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com
Replies: 69
Views: 6025

Re: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com

Garbage in, garbage out. That's exactly my concern about using historical. Yes, we know that "historical" actually happened, but people (even on this thread) seem to agree that it's a bad guide going forward and that 4% nominal returns are more likely. But they don't seem willing to adjust appropri...
by R2D2
Sat Sep 01, 2018 8:28 am
Forum: Investing - Theory, News & General
Topic: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com
Replies: 69
Views: 6025

Re: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com

A few points. 1) The track record of finance theory predicting actual returns is quite poor. I am not sure much i would want to rely on that to develop my plan 2) Classical MCS analysis overstates the best and worst case outcomes because it does not consider interaction of returns. The years after ...
by R2D2
Fri Aug 31, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com
Replies: 69
Views: 6025

Re: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com

Returns to expect? I don't think anyone knows. I was using the word "expected" in the mathematical sense. Remember that the recommended 4% withdrawal (or maybe 3.0%-3.5% for early retirees) is not based on average returns. It is based on the worst case historical periods. In the average case a with...
by R2D2
Fri Aug 31, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com
Replies: 69
Views: 6025

Re: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com

I think what you have re-discovered is that Monte Carlo simulations produce fatter tails in the distribution of outcomes than have ever occurred in real life. Of course, Michael Kitces has an article for that: https://www.kitces.com/blog/monte-carlo-analysis-risk-fat-tails-vs-safe-withdrawal-rates-...
by R2D2
Fri Aug 31, 2018 8:27 am
Forum: Investing - Theory, News & General
Topic: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com
Replies: 69
Views: 6025

Re: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com

willthrill81 wrote:
Thu Aug 30, 2018 6:48 pm
Remember that it's a balancing act between the risk of running out of money, which is far overblown IMHO,
Can you elaborate on that?
by R2D2
Thu Aug 30, 2018 6:04 pm
Forum: Investing - Theory, News & General
Topic: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com
Replies: 69
Views: 6025

Re: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com

R2D2: You might find the analysis done at the Early Retirement Now website to be of interest. He looks at longer time frames, like 60 years, using monthly historical data going back to 1871. So it's not Monte Carlo like the OP's analysis, but the overall conclusion for SWR (depending on the assumpt...
by R2D2
Thu Aug 30, 2018 6:01 pm
Forum: Investing - Theory, News & General
Topic: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com
Replies: 69
Views: 6025

Re: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com

I think most of us would agree that we shouldn't expect bond returns to be as good in the next 10+ years as they were over the past few decades. In fact, I strongly suspect that if you buy a 10 year Treasury today, you'll make about 2.9% annualized between now and maturity. :) I think you'll be ver...
by R2D2
Thu Aug 30, 2018 6:57 am
Forum: Investing - Theory, News & General
Topic: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com
Replies: 69
Views: 6025

Re: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com

I can see the argument that equity returns will pick up at some point, but I could easily imagine that low interest rates on bonds is the new normal. All I'm saying is that 50 years is a ridiculously long time to make guesses about performance. Fifty years ago there were no index funds, virtually n...