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Subject:  Re: Poll: Retirement AA going forward Date:  12/30/2010  2:27 PM
Author:  JAFO31 Number:  68029 of 78166

temsike: "We will draw a 3.6% annual withdrawal rate over 40 years.

Our risk tolerance: we would rather not see the retirement portfolio decline by more than 20% in a market event disaster like 2008.

We would like to leave an inheritance equal to the (real, inflation-adjusted) starting value of this portfolio."

I am not sure that all three goals are necessarily doable.

intercst addressed the requirements for limiting downside to not more than 20% decline.

I am surprised that he did not address your desire to leave an estate equal to the real, inflation-adjusted) starting value of this portfolio.

The SWR studies are deemed successful if the account balance remains greater than zero for the term of the wit