tag:blogger.com,1999:blog-6167053228142922997.post3431495855040326377..comments2023-10-30T11:57:40.433-04:00Comments on Wade Pfau's Retirement Researcher Blog: The Shocking International Experience of the 4% RuleAnonymoushttp://www.blogger.com/profile/04168922717655562721noreply@blogger.comBlogger7125tag:blogger.com,1999:blog-6167053228142922997.post-33815561822860438272012-05-14T02:00:38.495-04:002012-05-14T02:00:38.495-04:00Hi Cliff,
Though I'm not sure about your exac...Hi Cliff,<br /><br />Though I'm not sure about your exact choices, what you are describing is related to the optimal approaches for drawing down assets. If you are risk averse, you may want to build a sufficient floor of guaranteed income sources to make sure your basic needs are met, but otherwise I do not see a problem with what you are describing. Please realize that spending may fall below your desired level as time passes. Also, do not you probably won't ever want to spend more than 1/5 of remaining assets as you reach very old ages.Anonymoushttps://www.blogger.com/profile/04168922717655562721noreply@blogger.comtag:blogger.com,1999:blog-6167053228142922997.post-16380331564040652082012-05-13T10:47:34.787-04:002012-05-13T10:47:34.787-04:00Hi Wade,
I am more attracted by the variable incom...Hi Wade,<br />I am more attracted by the variable income provided by dividing total assetts each year by the number of years left to withdraw. I will retire at age 60 and withdraw 1/30 th of my pot in year 1, 1/29 th in year 2 etc<br />However I do have the security of an index linked ovcupational pension as my main source of income. Do you think my method is sound?<br />Cliff UKAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-6167053228142922997.post-62924920065982943882012-05-09T17:01:36.793-04:002012-05-09T17:01:36.793-04:00Hi,
Yes, that was a Monte Carlo study based on EAF...Hi,<br />Yes, that was a Monte Carlo study based on EAFE data since 1970. Since the results here show the US was quite near the top in the international rankings, we shouldn't expect too much benefit for the US in the past. But that could change in the future.Anonymoushttps://www.blogger.com/profile/04168922717655562721noreply@blogger.comtag:blogger.com,1999:blog-6167053228142922997.post-86394634840861567602012-05-08T11:58:57.900-04:002012-05-08T11:58:57.900-04:00Hello Wade. Are you aware of a study done by the T...Hello Wade. Are you aware of a study done by the Trinity U authors on adding foreign stocks to the portfolio to enhance withdrawals? I believe it was in The Journal of Financial Planning (whose archives I can't access). In any event I recall the foreign stocks had little effect (MSCI-EAFE) on the withdrawal rate in the long run. More grist for the mill. FredAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-6167053228142922997.post-24757962026961841642012-05-06T22:49:12.421-04:002012-05-06T22:49:12.421-04:00Glad I found your site. The numbers are pretty ala...Glad I found your site. The numbers are pretty alarming, gotta learn more about this whole retirement system...Lucashttp://www.bowstrings.com/noreply@blogger.comtag:blogger.com,1999:blog-6167053228142922997.post-43386048998266752002012-05-05T18:08:15.541-04:002012-05-05T18:08:15.541-04:00Thanks, I made that change. Usually I do as you su...Thanks, I made that change. Usually I do as you suggest at the start, but I thought the figures were too hard to see in a smaller form.Anonymoushttps://www.blogger.com/profile/04168922717655562721noreply@blogger.comtag:blogger.com,1999:blog-6167053228142922997.post-19983808277575293342012-05-05T16:48:23.480-04:002012-05-05T16:48:23.480-04:00Wade,
The images are too big to fit in the main d...Wade,<br /><br />The images are too big to fit in the main div of your post. Can you please scale them down? Normally people scale down images to fit, and then make them bigger if people click on them.Anonymousnoreply@blogger.com