Do asset allocations even matter?

Withdrawal Strategies

All of the above is done using Variable Percentage Withdrawals (VPW) strategy. Maybe there’s something special about that results in the characteristics we’re seeing. So let’s go back to our 1966 benchmark year and try a few other variable withdrawal strategies. Does the asset allocation make a significant difference with any of them?

It ran out of money in all scenarios….hence going to $0

Different Years: the 1960s-70s

Maybe there’s something weird & unique with 1966. Let’s switch back to the VPW withdrawal strategy and check a few more years…

stolen from



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Learn how to enjoy early retirement in Vietnam. With charts and graphs.