ERN Community - Recent Posts https://earlyretirementnow.com/forum/ Early Retirement Now Discussion Board en-US Thu, 14 May 2026 08:01:11 +0000 wpForo 60 SWR toolbox...how to calculate portfolio balance after each month? https://earlyretirementnow.com/forum/swr/swr-toolbox-how-to-calculate-portfolio-balance-after-each-month/#post-2059 Sat, 13 May 2023 23:53:14 +0000 Out of curiosity, i decided to test this tool by looking at portfolio balance at the end of each month.

For simplicity,

100% cash, 

0% inflation, 

0% growth on cash 

Final Value target=0%

Let's say portfolio is 120k and i want to deplete this to zero in 120 months (10 yrs)

I am thinking my SWR = $1k/month

But the calculator shows 4.46% with a safe withdraw of $446/m and at end of 120m i have $66,524 left (i was expecting this to be 0)

The portfolio balance at the end of every month = (previous month balance-$446)

What may i be doing wrong?

thanks for any feedback

jim

]]> caymann https://earlyretirementnow.com/forum/swr/swr-toolbox-how-to-calculate-portfolio-balance-after-each-month/#post-2059 RE: New Forum Location https://earlyretirementnow.com/forum/self-promo/new-forum-location-4/#post-2058 Thu, 05 Jan 2023 09:07:14 +0000 Thanks Karsten! Now it works perfectly on the new forum 😉 

]]> FireCrackersJourney https://earlyretirementnow.com/forum/self-promo/new-forum-location-4/#post-2058 New Forum Location https://earlyretirementnow.com/forum/self-promo/new-forum-location-4/#post-2057 Sat, 31 Dec 2022 21:16:51 +0000 Our current forum is being inundated with 100,000s of spam account applications, and legit users can't sign up anymore. So, please head over here:

https://earlyretirementnow.com/forum-3/

Thanks! Happy New Year!

]]> earlyretirementnow.com https://earlyretirementnow.com/forum/self-promo/new-forum-location-4/#post-2057 New Forum Location https://earlyretirementnow.com/forum/general/new-forum-location-3/#post-2056 Sat, 31 Dec 2022 21:16:17 +0000 Our current forum is being inundated with 100,000s of spam account applications, and legit users can't sign up anymore. So, please head over here:

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Thanks! Happy New Year!

]]> earlyretirementnow.com https://earlyretirementnow.com/forum/general/new-forum-location-3/#post-2056 New Forum Location https://earlyretirementnow.com/forum/options/new-forum-location-2/#post-2055 Sat, 31 Dec 2022 21:15:45 +0000 Our current forum is being inundated with 100,000s of spam account applications, and legit users can't sign up anymore. So, please head over here:

https://earlyretirementnow.com/forum-3/

Thanks! Happy New Year!

]]> earlyretirementnow.com https://earlyretirementnow.com/forum/options/new-forum-location-2/#post-2055 New Forum Location https://earlyretirementnow.com/forum/swr/new-forum-location/#post-2054 Sat, 31 Dec 2022 21:15:06 +0000 Our current forum is being inundated with 100,000s of spam account applications, and legit users can't sign up anymore. So, please head over here:

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Thanks! Happy New Year!

]]> earlyretirementnow.com https://earlyretirementnow.com/forum/swr/new-forum-location/#post-2054 RE: What do you think of holding JEPI? https://earlyretirementnow.com/forum/swr/what-do-you-think-of-holding-jepi/#post-2053 Thu, 29 Dec 2022 14:28:29 +0000 Not recommended. It's not a substitute for bonds. The yield is pumped up by selling covered calls. It's still mostly equity beta.

]]> earlyretirementnow.com https://earlyretirementnow.com/forum/swr/what-do-you-think-of-holding-jepi/#post-2053 RE: How is everybody doing trading options? https://earlyretirementnow.com/forum/options/how-is-everybody-doing-trading-options/#post-2052 Thu, 29 Dec 2022 14:27:20 +0000 I'll write an update early in 2023. I'm up $60k. But with steep drawdowns on precisely those dates you mention. That $60k is from selling a total gross option premium of about $170k. So, only about 1/3 premium capture, the lowest hitting rate so far. But After a 90% premium capture in 2021, I knew this kind of largesse would not last indefinitely. 

The upside: in the second half I've traded more cautiously with a bit less premium and slightly more leverage. Worked out well so far. The premium capture is much higher in H2 than H1.

]]> earlyretirementnow.com https://earlyretirementnow.com/forum/options/how-is-everybody-doing-trading-options/#post-2052 RE: How is everybody doing trading options? https://earlyretirementnow.com/forum/options/how-is-everybody-doing-trading-options/#post-2051 Thu, 22 Dec 2022 11:45:11 +0000 This year was a humbling experience, no doubt. I'm also up on the year (referring to the option portfolio, of course), after finally managing to crawl out of a bad drawdown in October. I only had 3 big losers in the following order: April 22, May 19, and Jan 6 (the last one I closed early.. bad call). Especially April 21-22 really showed how the options market can sometimes misprice certain scenarios. 

On the metric of net profit out from $100 gross, I managed to keep $30. Not horrible, but also not great. I had more success with selling vol in other spaces this year. 

I don't know whether it's the market or not, but since the introduction of 1DTE options, this strat has become much easier to deal with. All those losses above happened due to a combination of 2 down days, one after the other. With 1DTE, this is no longer an issue.   

]]> ohadost https://earlyretirementnow.com/forum/options/how-is-everybody-doing-trading-options/#post-2051 How is everybody doing trading options? https://earlyretirementnow.com/forum/options/how-is-everybody-doing-trading-options/#post-2050 Thu, 22 Dec 2022 05:59:30 +0000 Since the year is drawing to a close, I am reviewing my finances for the year. Naturally, I want to see how well I did trading options. I am pretty much exactly following Big ERN's strategy of options trading throughout the whole year with a small number of periods of interruption due to vacation. I re-read the Part 3 article (https://earlyretirementnow.com/2019/03/27/passive-income-through-option-writing-part-3/) where there was a chart showing how much net profit he kept for every $100 of gross put option premium. My own figure this year is only $11. That's worse than every single year on that chart. My biggest losses of this year occurred on Apr 22, June 10, Sep 13, May 18 (in that order). Still better than S&P 500 though—at least I made a profit not a loss.

How's everybody else doing?

 

]]> TwentySomething https://earlyretirementnow.com/forum/options/how-is-everybody-doing-trading-options/#post-2050