Monthly Older Posts: December 2021

DO NOT consider using a lower Safe Spending Rate that I provide in Nest Egg Care!

Last week I summarized a report by Morningstar, The State of Retirement Income – Safe Withdrawal Rate. It suggests that Safe Withdrawal Rates should be cut by 25%. Retirees need 1/3rd more than they thought they’d need for a happy retirement. My friend

Should Safe Spending Rates (SSR%s) be 25% lower?

I spent a lot time this week trying to understand the details of a new report from Morningstar, The State of Retirement Income – Safe Withdrawal Rate. I summarize the 59 page report. Morningstar predicts much lower stock and bond returns for the foreseeable

What’s the story you tell yourself this time of year?

I typically use December 15 as a day I take a different look at our portfolio. I’ve described my imaginary “bottling day” in prior posts. Here’s one. I recast the performance of our portfolio into three holding periods or groups of wine barrels or

Use this sheet next year for your Recalculation of your Safe Spending Amount for 2023

Here’s a spreadsheet that you can download and use to Recalculate to see if your Safe Spending Amount (SSA) will increase in real spending power for 2023. (SSA; See Chapters 2 and 9, Nest Egg Care [NEC]) This sheet is similar to the one I

How big is your retirement pay raise for 2022?

If you use November 30 to calculate your Safe Spending Amount (SSA) for the upcoming year, you AGAIN calculated to a healthy real increase for your spending in the upcoming year. Patti and I calculate to an 11% real increase for next year; our SSA

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