peterfell66

Comments:

• See also above, if you don't have to touch your 3/4 portion of your portfolio when you lost the half in a bear market but lived of off 10 years inflation protected government bonds for example (TIPS, TIPS ladders, iBonds) you would look at a huge paper loss but not really be at risk until the market came back around. The point is not so much to have 3/4 in equities but to have the excess of 10 years spending money in equities. For some that could mean only 20% in equities, or 80%, depending on the size of the portfolio and annual cash requirements. So the 75% is not an absolute equity allocation but one example. Unless I am missing something in your comment maybe.

  Post: Financial Superpowers

  Link to comment from August 19, 2023

• if one had had 10 years of spending money in say TIPS, iBonds or something like that would have carried them through 2010 when the market rebounded to about a decade long bull market. That means, not having to touch the equity share of the portfolio for 10 years should have bridged them into a rebound, or?

  Post: Financial Superpowers

  Link to comment from August 19, 2023

• Give Pralana Gold a look too - very detailed and flexible Excel model

  Post: Financial Calculators

  Link to comment from March 13, 2022

• Buy more I-series savings bond on Treasurydirect.gov (currently, Q1 2022, paying 7.12%!) ;-)

  Post: What should investors do about the possibility of higher interest rates?

  Link to comment from March 13, 2022

• Am using Pralana Gold for retirement planning - very detailed Excel model and very flexible and I can follow the numbers better than in the web based apps (might be personal preference). For websites it's Bogleheads.org and Morningstar.com

  Post: What are your favorite financial apps and websites, present company excepted?

  Link to comment from March 13, 2022

• Maybe also to note are I-Series savings bonds which work similar as TIPS however never go below 0%. They are not well know as you can not buy them via brokerage accounts but have to purchase them via Treasurydirect.gov. They have a cap of $10,000 per person per year and a minimum holding period of 1 year (after one year you can sell them but lose the interest of the prior quarter, after five years you can sell them without any loss). Currently (Q1 2022) they pay 7.12%. The rate will reset every six months (Nov and May) based on last six months inflation.

  Post: Step 6: Fend Off Inflation

  Link to comment from March 13, 2022