No. of Recommendations: 0
FCorelli asks,

Using a 50/50 Stocks/bonds AA the SWR was: $32,530.55

Quite a variance.

Anybody have anything to say or do you see anything here I missed?


You'd really have to look at the data set each program is using to tell what's going on.

In terms of SWR, the sweet spot for bonds is 1 to 2 year maturity. Anything longer than that tends to give you a lower SWR.

Also, you can put together a portfolio at Vanguard for 10 basis points in annual fees, why are you using 0.30 (30 basis points)?

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