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Thanks Pixy,

Maybe I sent the wrong messeage with my "garbage" comment, my concern was which index to use, how many simulations does the particular program make, does the program "reject" outliers, etc.

Is there a particular source or place your would suggest to get either software or an analysis? Any general things to avoid?

I am rather quantitative in my approach and real have a great deal more faith in something like "you have a 97% chance of this" as opposed to the planning tools which just grind out say 10% growth in equities every year. As one can easily see by looking backward if we all retired in the early 1970's our withdraw rates would either rise or our incomes would have dropped.

gordon
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