A Craig Israelsen article that explores low correlation & different asset classes for the 1970 to 2006 period.http://www.indexuniverse.com/publications/journalofindexes/j...The 7 asset [large US equity, small US equity non-US equity, US intermediate bonds, cash, REIT, commodities-14.3% each] portfolio of index funds had a small better return & much lower standard deviation when compared to other moderate balanced portfolios on a withdrawal scenario [5% annual withdrawal+3% inflation increase each year].Now I didn't find a list the indexes used. Though from a seeking alpha article i did discover that for commodities index he used S&P GSCI Commodity Index [GSG].The MAIN beneficial IMHO is the zero % chance of a -10% annual return.Ok here is link to comparision chart:http://www.indexuniverse.com/publications/journalofindexes/j...Link for info on S&P GSCI Commodity Index:http://www2.goldmansachs.com/services/securities/products/sp...
A Craig Israelsen article that explores low correlation & different asset classes for the 1970 to 2006 period.http://www.indexuniverse.com/publications/journalofindexes/j......</snip>I'm not sure what conclusions you can draw from a retirement withdrawal study based on 36 years of data. That would only give you seven actual data points for a 30-year historical payout period (i.e., 1970-2000, 1971-2001, 1972-2002, ..., 1976-2006)intercst
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