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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
