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Post by yogibearbull on Jul 4, 2022 2:41:59 GMT
With M* Portfolio (free/Basic and Premium) going away soon (2022), and its replacement M* Investor having very poor portfolio analytics, I have collected several TIPs based on my use of FREE Portfolio Visualizer (PV) over the years. It may serve as a primer for new PV users and refresher for experienced users. ybbpersonalfinance.proboards.com/thread/311/portfolio-visualizer-pv
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Post by mozart522 on Jul 4, 2022 13:57:04 GMT
yogibearbull, Thanks, yogi. Very helpful. I have bookmarked it.
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Post by yogibearbull on Jun 27, 2023 22:27:09 GMT
PV - SWR, PWRAmong lots of good stuff, PV provides: Fixed Annual Withdrawal SWR (Inflation Adjusted) – This is the initial %withdrawal from the initial lump-sum that is inflation adjusted annually and will exhaust the portfolio (final value FV = 0). Fixed Annual Percentage PWR – This is the fixed annual % from annual balances that will leave the final value FV that is at least equal to the inflation-adjusted initial lump-sum. ExamplesPeriod 01/1985-05/2023 (as far back as free PV goes) Fund SWR PWR VWINX 8.76% 5.53% VWELX 9.77% 6.64% ABALX 9.35% 6.29% VFINX 10.93% 7.52% So, in this period of about 37.5 years, the realized SWRs were much higher than Bengen's 4% rule. Equities did well and more equities, the better. PWRs weren't that much lower - remember that with PWRs, your or your heirs would also have the inflation-adjusted initial lump-sum on hand. Period 01/2000-12/2009 (a tough decade) Fund SWR PWR VWINX 13.28% 4.14% VWELX 12.31% 3.41% ABALX 12.88% 2.98% VFINX 7.42% 0.00 SWRs look high but remember that the initial balance is also exhausted in 10 years, and that alone at 0% return will be SWR of 10%. PWRs are low and more meaningful for this period. If some more aggressive funds are included, those may fail and would just show the PWR of 0.00% (as for VFINX/SP500). More info on PV can be found here, ybbpersonalfinance.proboards.com/post/1086/thread
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