More Guidelines
Updated: April 4, 2007
More Than a Number
Safe Withdrawal Rate research is about more than a single number. It is central to our early retirement planning insights.
More Than a Number
Understanding Risk
To understand risk, you have to live through it.
Understanding Risk
Predicting Stock Market Returns
We need to predict stock market returns for retirement planning. Monte Carlo models require such predictions as inputs. So does my SWR Translator.
Predicting Stock Market Returns
Prices Matter
Prices matter. I see the need for price discipline repeatedly. It is not difficult.
Prices Matter
Historical Perspective
It is always a good idea to take advantage of the wisdom of the past. Here are a couple of articles featuring extracts from The Intelligent Investor by Benjamin Graham.
Historical Perspective
Historical Perspective: Dividends and Earnings
Rule of Thumb?
A Safe Withdrawal Rate is a calculation, not a rule of thumb. We determine Safe Withdrawal Rates from the historical record. But, Safe Withdrawal Rates are not the same as Historical Surviving Withdrawal Rates.
Rule of Thumb?
Apples and Pears
There is much too much confusion surrounding Safe Withdrawal Rate research. Be careful when making comparisons.
Apples and Pears
New Standards for Financial Reporting
During my professional career, I was never allowed to get away without doing the following. Why do we allow "financial experts" to get away with anything less?
This is based on my “It’s about time...” series of notes.
New Standards for Financial Reporting
Retirement Planning Insights
Here are insights for retirement planning, both before and after retirement.
Retirement Planning Insights
Diversifying Risk
I have developed a variety of worthwhile approaches. You can combine them to diversify risk.
Diversifying Risk
Income Stream Insights
I have used the Income Stream Allocator to look at a variety of conditions. Here are the key insights.
Income Stream Insights
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