Update (12/31/2022):
It seems that new users have trouble registering for the forum. The confirmation email never shows up. I’ve decided to phase out this forum and transition over to a new forum plugin. The new location is here:
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Last seen: Aug 30, 2025
Forget the rest of my argument. You are double counting when you say that the I-bonds both compound and “offset” the additional $5K of spending needed...
@Chris B, due respect, you are confusing some things and also double counting. The I-bonds portion of your portfolio protects only the real value of...
Small fix to the above sheet to: a) remove a bug where fees were double counted with the MMA calculation. This improves all SWRs by about 0.02% b)...
Since someone asked about it, attached is a slight modification to the hacked sheet which allows the use of bonds as the ballast for stocks for the 10...
the file! Simple-B-G-mash-plus-10-MMA-AG-hack.xlsx
Hacked sheet posted here: Once I realized I was doing a market timing AA system rather than just a glidepath replacement, I changed “conservative...
Looks like the file didn't upload properly the first time - trying again. AG-hack-v20.xlsx
v2.0 - now in Time Series form in a single sheet @earlyretirementnowcom Ok, I did as you suggested and created a return time series (two actuall...
Corrected Results page for the 10MMA variant attached. With the corrected data, the results change quantitatively, but not qualitatively. Using ...
Corrected Results page for the 10MMA variant attached. With the corrected data, the results change quantitatively, but not qualitatively. Using ...
Attached is the corrected version of the hacked Google sheet using 10MMA (Meb Faber signal) for the variable equity timing signal. Please discar...
APOLOGIES! The calculations I posted last night using 10MMA were wrong because of how I was calculating the MMA for the first 9 months. I've correct...
@earlyretirementnowcom Thanks for the reply. Yes, I did all of this all "by hand" using a hacked clone of the Case Study tab. I don't know Matl...
Second sheet with some results for 4.0% and 4.5% IWR using the 10MMA variable equity allocation. Results-10MMA-AG-hack-of-ERN-SWR-formulas-gua...