Post by yogibearbull on Nov 20, 2023 23:15:45 GMT
Withdrawals w/Fractional End-Balance Goals (Infl-Adj)
Method
1. Use #PortfolioVisualizer for #SWR (% of orig portfolio bal that can be withdrawn at yearends w/infl adj w/o running out of money ($amounts); CFI = Final Bal (infl-adj)/Initial Bal.
ybbpersonalfinance.proboards.com/post/1261/thread
2. #SWRM is % of original portfolio bal that can be withdrawn at yearends w/ infl adj, but at the end, $leftover is fraction f (=< 1) of infl-adj orig principal ($amounts).
SWRM = SWR*(CFI - f)/CFI
SWRMs for 01/2000 - 12/2022
FUND CFI f = 0 f = 0.25 f = 0.50 f = 0.75 f = 1
VWELX 2.9844 7.25% 6.64% 6.035% 5.43% 4.82%
FBALX 2.8961 6.83% 6.24% 5.65% 5.06% 4.47%
ABALX 2.9187 7.40% 6.77% 6.13% 5.50% 4.865%
VFINX 2.2346 4.34% 3.85% 3.37% 2.88% 2.40%
Method
1. Use #PortfolioVisualizer for #SWR (% of orig portfolio bal that can be withdrawn at yearends w/infl adj w/o running out of money ($amounts); CFI = Final Bal (infl-adj)/Initial Bal.
ybbpersonalfinance.proboards.com/post/1261/thread
2. #SWRM is % of original portfolio bal that can be withdrawn at yearends w/ infl adj, but at the end, $leftover is fraction f (=< 1) of infl-adj orig principal ($amounts).
SWRM = SWR*(CFI - f)/CFI
SWRMs for 01/2000 - 12/2022
FUND CFI f = 0 f = 0.25 f = 0.50 f = 0.75 f = 1
VWELX 2.9844 7.25% 6.64% 6.035% 5.43% 4.82%
FBALX 2.8961 6.83% 6.24% 5.65% 5.06% 4.47%
ABALX 2.9187 7.40% 6.77% 6.13% 5.50% 4.865%
VFINX 2.2346 4.34% 3.85% 3.37% 2.88% 2.40%