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Tuesday, December 16, 2014

Milevsky Probability of Portfolio Ruin Calculator

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Thanks to Dirk Cotton for the shout-out in his December 5 post, Think Like a Bayesian Pig .   Another excellent post from Mr. Cotton, and th...
Sunday, December 7, 2014

Demystifying the Spending Spreadsheets on This Website

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From time to time, we get questions about our spending spreadsheets.  In an effort to provide retirees who visit this site with a higher lev...
Wednesday, December 3, 2014

Revisiting Recommended Assumptions

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As discussed in our posts of July 12, 2013 and October 11, 2013 , and in the Journal of Personal Finance paper (originally written in Febr...
Wednesday, November 26, 2014

Don't Use the 4% Withdrawal Rule--And For Gosh Sake, Don't Use it With a Reset Button

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In his November 26 article , "Why Retirees Now Have to Question the 4% Withdrawal Rule," Jeff Brown suggests modifying the 4% Rule...
Monday, November 24, 2014

Measuring Personal Retirement Plan Liabilities

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I'm pleased to see that several retirement pundits are extolling the virtues of measuring personal retirement plan liabilities and compa...
Wednesday, November 19, 2014

So You Think You Are Financially Prepared to Retire? Use our Spreadsheet Tools to Test

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Generally the focus of this website is to help individuals who are already retired establish an annual spending budget.  From time to time, ...
Sunday, November 16, 2014

Does Your Financial Advisor Develop Your Annual Spending Budget Based on How Much Assets You Have and How Long You Might Live?

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Lets assume that you and your Financial Advisor meet approximately annually to determine your spending budget for the year.  If you don'...
Friday, November 14, 2014

100th Post--Nice Write-Up of the Actuarial Approach in the Toronto Globe and Mail

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Time for a brief celebration!  This is our 100th post in our ongoing effort to help retirees develop a spend-down strategy for their self-ma...
Thursday, October 30, 2014

Revisiting the Recommended Smoothing Algorithm

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I first proposed a recommended smoothing algorithm for The Actuarial Approach in my post of October 11, 2013.  The purpose of the recommende...
Friday, October 24, 2014

You Can Spend it Now or You (or Your Heirs) Can Spend it Later

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The title of this post is a re-working of the saying used by the mechanic in the old Fram Oil Filter TV commercials.  His famous line was, ...