Could you do a video on bonds and what role if any they serve in 2021? I was always told to keep a certain percentage of my portfolio in bonds but every time I check my bond etfs are losing money. Not sure if I should redirect my investments elsewhere or keep investing in them with the hope they will eventually rise in 10years time or longer. Thanks for considering!
In the avg time to FI metric do you use the goal for FI the spend ammount pr the income ammout? Ie. Are you using a lower ammount of savings for FI at 70% savings vs 15% savings? Thanks for the awesome videos!!
Yes, 2020 was quite a weird year. I've always done videos in batch so the scripting and recording process tends to take place a good deal before the video goes live but with sheltering in place all year I've gotten a bit further ahead than I'm used to ;)
Not exactly. The safe withdrawal rate assumes that after the time period indicated (30, 40, 50 years) you still have some money left over. The perpetual withdrawal rate figure assumes that you still have at least as much money as you started with by the end of the simulation (after adjusting for inflation) but there still may be years in which you had to draw down on your principle.
First off, this series is fantastic. As are the rest of your videos. I would love to see the Swensen portfolio run through these numbers. Keep up the great work
The problem is bond funds atm are not returning anything or even losing money.
Could you do a video on bonds and what role if any they serve in 2021? I was always told to keep a certain percentage of my portfolio in bonds but every time I check my bond etfs are losing money. Not sure if I should redirect my investments elsewhere or keep investing in them with the hope they will eventually rise in 10years time or longer. Thanks for considering!
With today's interest rates and potential for inflation, this sounds like a disaster.
It certainly is a more niche strategy!
Another great video! Thank you!
Glad you enjoyed it!
In the avg time to FI metric do you use the goal for FI the spend ammount pr the income ammout?
Ie. Are you using a lower ammount of savings for FI at 70% savings vs 15% savings?
Thanks for the awesome videos!!
Mid November 2020. Wow!
Yes, 2020 was quite a weird year. I've always done videos in batch so the scripting and recording process tends to take place a good deal before the video goes live but with sheltering in place all year I've gotten a bit further ahead than I'm used to ;)
good video
Thanks :)
Thanks bro 😎
Any time!
Hello, do these strategies for the Historical safe withdrawal rate assume you will not have to draw down on principal ?
Not exactly. The safe withdrawal rate assumes that after the time period indicated (30, 40, 50 years) you still have some money left over. The perpetual withdrawal rate figure assumes that you still have at least as much money as you started with by the end of the simulation (after adjusting for inflation) but there still may be years in which you had to draw down on your principle.
I seriously feel that you could get around this lack of data by just using a monte Carlo simulation?
The All-Weather Portfolio is better.
Great, comprehensive coverage. Congrats!
Glad you liked it!
First off, this series is fantastic. As are the rest of your videos. I would love to see the Swensen portfolio run through these numbers. Keep up the great work
Great suggestion!
You have an imposter account replying to comments. Why does TH-cam even allow that?
Matthew, I'm not sure. I've already blocked a few of them but more seem to be showing up.
70% treasuries is absolute garbage. Long NTSX