Ah, it was as simple as updating the growth trend in cell I94 ![:-)]( "Smile")
. As suspected, it increases VPW % a tiny bit. And in the Reteriment tab I changed cell b52, so the higher risk will also be reflected in monthly income after loss. I am not sure if I corrected for everything. Probably I will err on careful side, and use the VPW % for 90/10 split, when I have in reality a 100/0 split.
From the post you linked to, I understand that Growth Trends for stocks 5% and bonds 1,9% are based on Credit Suisse Report from 2019. I could not find those figures in the summary PDF. Are those % mentioned in the full report? Which is not public available?
Is it correct that the sheet only models a 50% drop in stocks, and not in bonds? If so, why was this choice made?
In my country under present tax structures bonds are not very attractive. I prefer cash deposits. I presume they have a lower growth trend than bonds. Do you know where I can find an indication for this? Then I can get substitute the growth trend of bonds by growth trend of CD (cell B134), in case I will go for a 90/10 stock/CD split.
. As suspected, it increases VPW % a tiny bit. And in the Reteriment tab I changed cell b52, so the higher risk will also be reflected in monthly income after loss. I am not sure if I corrected for everything. Probably I will err on careful side, and use the VPW % for 90/10 split, when I have in reality a 100/0 split.From the post you linked to, I understand that Growth Trends for stocks 5% and bonds 1,9% are based on Credit Suisse Report from 2019. I could not find those figures in the summary PDF. Are those % mentioned in the full report? Which is not public available?
Is it correct that the sheet only models a 50% drop in stocks, and not in bonds? If so, why was this choice made?
In my country under present tax structures bonds are not very attractive. I prefer cash deposits. I presume they have a lower growth trend than bonds. Do you know where I can find an indication for this? Then I can get substitute the growth trend of bonds by growth trend of CD (cell B134), in case I will go for a 90/10 stock/CD split.
Statistics: Posted by mrnice404 — Fri Jun 07, 2024 5:15 pm