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:
https://earlyretirementnow.com/forum-3/
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Last seen: Aug 30, 2025
Simple 10MMA for variable equity allocation For those interested, attached is a version of the hacked spreadsheet using Meb Faber’s simple 10 Mo...
Is Variable Equity Allocation “Ok”? I was all set to write something longer about why doing market timing in the context of SWRs is “ok”, when I...
Ok, attached is some results for 4% and 4.5% WRs using the hacked sheet attached above on the dozen or so worst retirement cohorts. For each tab, to...
@earlyretirementnowcom For a 75-0-25 stocks-bonds-gold initial allocation with the variable equity allocation as described above For 4.0% initial WR...
Ok, time to "show my work". Hacked spreadsheet attached, .xlsx format I cloned the Case Study tab - see the tab called AG-Case-Study The var...
Why Gold Not Bonds Why am I using gold rather than bonds for the non-equity portion of the portfolio? Here are 5 reasons: Bonds as a hed...
@chris-b after staring at the different worst case scenarios for a while, here's what i did to combat the problem you found: 1) go from normal/aggre...
@chris-b I've hacked the SWR sheet, the "Case Study" tab that has the glidepath for a given cohort retirement month in particular, to do something ver...
@stocksalt9934, my comments for you mostly relate to the planned glidepath. first, unless I’ve missed something, the glidepath approach ERN outl...
I should have added that this idea works in the context of targeting a Final Value (FV) of at least 50%. If targeting less than that, then obviously y...
@hubcity, a couple of points. Yes, by definition if you are using a fail safe WR% and your real portfolio has increased, you can “safely” retire aga...