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My retirement portfolio looks like this:

20% Laddered cash portfolio (6 years of living expenses)
80% MI stock portfolio

The MI stock portfolio looks like this:

25% Key100 (1-4) annual
25% PEG (1-4) semi-annual
25% RS13/RS26 Overlap (1-3) quarterly
25% PEG13/PEGRSW Overlap (1-3) monthly
Gross CAGR=60 (Net CAGR=55) GSD=29 Sharp Ratio=1.08 TER=1.61 (Net TER=1.29) The portfolio has 9 to 14 stocks depending on overlaps between screens.

I sell 3% of the value of the stock portfolio on the first Friday of the new year and add it to the cash portfolio. I then divide the cash portfolio total by 72 (six years) and that's our monthly draw for the year.

Any suggestions or critisisims?
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>>The MI stock portfolio looks like this:
25% Key100 (1-4) annual
25% PEG (1-4) semi-annual
25% RS13/RS26 Overlap (1-3) quarterly
25% PEG13/PEGRSW Overlap (1-3) monthly
Gross CAGR=60 (Net CAGR=55) GSD=29 Sharp Ratio=1.08 TER=1.61 (Net TER=1.29) The portfolio has 9 to 14 stocks depending on overlaps
between screens.<<


Could you define these terms for those of us that are less "acronym-friendly", please? Thanks.
Eddie
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Since you probably created this portfolio by dollar cost averaging, I would do the reverse in withdrawing. Instead of selling all 3% at the beginning of the year, I might divide that 3% into 3 or 4 parts and sell thru the year.
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I sell 3% of the value of the stock portfolio on the first Friday of the new year and add it to the cash portfolio. I then
divide the cash portfolio total by 72 (six years) and that's our monthly draw for the year.

Any suggestions or critisisims?


I think the 6 years of living expenses should let you skip selling in a down market. If the market is down for a year or two do not sell.

Also I would deceide what to sell then put limit orders in that are 5 or 10% (or what ever) over the market price. Eventualy the stuff should sell. The point is you are not forced to sell so you can waite for a good price.

For example price all the stock you want to sell on the first Friday at 10% over Thursday's closing price and see what happens.
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rjm1 wrote:
I think the 6 years of living expenses should let you skip selling in a down market. If the market is down for a year or two do not sell.

Also I would deceide what to sell then put limit orders in that are 5 or 10% (or what ever) over the market price. Eventualy the stuff should sell. The point is you are not forced to sell so you can waite for a good price.

For example price all the stock you want to sell on the first Friday at 10% over Thursday's closing price and see what happens.


This is a great idea. I'm going to think about it. Thanks.
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