No. of Recommendations: 2
JWR claims:

Not once was I asked to explain details or fill in gaps

dT has asked?

Post 63146:

Yes, and that difficulty increases the likelihood of failure that is not accounted for in your research. If it is, please show / explain where?

JWR claims:

Not once did I encounter any interest in learning.

dT replys

Post 63116:

I am still missing a lot!!!

[explain my confusion] then ask!

Question 1) Is it fair - relevant - to compare a strategy with no reduction in withdraw to one where cash flow can be adjusted?

Question 2) Shouldn't such an analysis really include and compare the expected outcomes fully weighting the probability of success?

Question 3) Does a four year trend predict 30 year success in the income strategy?

JWR claims

Not once did I see any interest in improving the finances of retirees.

dT postively states - Wow!

I thought: on several occassions I opined the construction of an adequate retirement portfolio is not trivial. That for a strategy to be effective it must be implementable. And I get told to "build a spreadsheet and find suitable investment." I even asked what criteria to use. I tried to clarify how the SWR and variances in cash flow may not be suitble for retirees on fixed income which matches the expense side with little margin. Yes i'm not using kid gloves to ask these questions, but NO, I am not asking these for my health.

While I support an income strategy as part of the overall retirement portfolio with an allocation based on conditions just prior to and at the comencement of retiring, and will say that JWR has good [ideas] the problem with that Little Known Fact (Ignore Face) is that it now appears to me if we press it, JWR can post his material on this board as if it is gosple and has the full faith and backing of the Fools who pride themselves on being able to help a retiree or two. Those ideas have not yet translated into a model nor an actionable plan that helps retirees.

d(over and out)/dT
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