Skip to main content
No. of Recommendations: 5
Too complex.
Ignores inflation.
Using 2 factional digits of calculations is a sure sign of over-tuning. (87.94%, 75.20%, 3.54%, 1.06%)
GIGO

The problem with using a certain percentage of current portfolio value means that your withdrawal for living expenses can swing wildly up and down, depending if you are in a bull or bear market.

It's not like this idea of flexible safe withdrawal strategy hasn't been studied a lot.

... flexible rule would maximize spending ...

I think that people generally prefer more-or-less constant spending to "maximum spending" that jumps up and down from one year to the next.



... scipy.optimize L-BFGS-B, Optuna, Hyperopt, Platypus, Nevergrad, Gradient-free optimization ...

Give me a break!
Print the post  

Announcements

The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.