Back in 2010 I posted on an alternative retirement withdrawal approach that allows for higher safe withdrawal rates (SWR). Back then I didn’t have a detailed model of this approach to provide much more insight. Now I do. Its very worthwhile revisiting this strategy and discuss the great benefits it […]
I’ve been asked the question in the title of this post quite a bit lately – why have the IVY timing portfolios been under performing lately? Here I will show the performance of the various portfolios I track over different investment periods and discuss their recent performance. The table below […]
Now that I’ve presented several variations and updates to the IVY portfolios, in this post I update all the relevant portfolio statistics and compare them to some commonly held diversified portfolios. I provide the definitions of the portfolio stats and the various portfolios. I conclude with some brief observations. In […]
Mebane Faber, the creator of the IVY timing portfolio, has recently released an official update of the model with returns through the end of 2012. He also did a series of posts on his blog that chops up the update into more digestible pieces. For an intro to this topic […]
OK, deep breaths, deep breaths….The drivel the passes for reporting on retirement issues never ceases to amaze me. But this time I found a real howler. The “paper of record”, the venerable NY Times, recently published a piece on the 4% safe withdrawal rule, titled “4% Rule for Retirement Withdrawals […]
All the year end results are in so its time to update the performance of the retirement portfolios that I track. I’ll quickly review 2012 performance for the IVY portfolios, the Permanent Portfolio, and the traditional 60% /40% stock-bond portfolio. Then I’ll put them in context of their long run […]
Warning, this is a somewhat geeky technical post! Besides accumulating more wealth by working longer there is one very direct way to increase your income in retirement. Beat the market’s return. Higher returns will lead to higher SWRs (safe withdrawal rates) for the most part. (The other way to increase […]
There was a recent post at the Times’ Bucks Blog about Longevity Insurance that caught my attention. I decided to run some numbers to see what returns are implied in the current prices of longevity insurance and compare that to the risks, and the alternative of just keeping your money […]
The 4% rule of thumb for retirement savings is under threat. After 10 years of retirement, through the end of 2009, individuals who retired at the beginning of the year 2000 are potentially on a path to run out of money before the end of their 30 year retirement period. […]
Here I go again. Bond bashing time. I think many income investors worried about risk mistakenly focus too much on the lower volatility of bonds as a risk measure. Volatility is only one measure of risk. On other measures of risk bonds perform just as poorly as stocks but with […]
Well, its finally time to put it out there. Since I started blogging I’ve been trying to build a base of background posts to get me to this point. Today, I want to share with you the retirement model that I am using to fund my retirement. I think I […]