Rcmoormt, I guessed correctly! You were talking about an SWR-based paper. This isn't the thread to discuss SWR papers. It's a thread about VPW. I'll just say that my assessment stands.I'm speaking of the Scott Cederburg paper "Beyond the Status Quo: A Critical Assessment of Lifecycle Investment Advice" [...]Rcmoormt, are you talking about recent papers based on backtests of the illogical 4% SWR method?! I think that it would be foolish to choose an allocation for VPW based on such flawed analyses which completely ignore the volatility-dampening impact of bonds within a balanced portfolio.Longinvest, is there a way to use the spreadsheet with 100/0 stock/bond? Regardless of the view on being too risky, many people don't allocate to bonds even during withdrawal... Even more so now with the new papers that have come out regarding bonds.
I suggest ignoring the noise.
Statistics: Posted by longinvest — Fri Mar 08, 2024 7:10 pm — Replies 2255 — Views 601252