The Safe Withdrawal Rate Series - Early Retirement Now Hello Big ERN!! Just to confirm, on the “CAPE-based Rule” tab, are the Minimum, Mean and Maximum rates (cells E14 – L17) showing hstorical information for the SWR (cell B10) or historical information for Target Withdrawals (% p a ) (cell B17)? Withdrawal Rates All Since 1926 1929-60 1965-99 1970-2009 1999-curr 2007-curr
The Ultimate Guide to Safe Withdrawal Rates – Part 1: Introduction ERN — your work is fantastic for those of us who want more precision in our FIRE planning Thanks for this SWR series which has taken years of work! Question about how you do inflation adjustments Let’s use an example 3% of a 2 million dollar portfolio You start with an initial withdrawal value of 60,000 or 5,000 per month
Start here - Early Retirement Now Ask Big Ern: A Safe Withdrawal Rate Case Study for Mrs “Wish I Could Surf” Our Net Worth as of 9 30 2017; Guest Post: Why geographic arbitrage is so important to retire early and what you can do to about it; Ask Big Ern: A Safe Withdrawal Rate Case Study for “Mr Corporate” Ask Big Ern: A Safe Withdrawal Rate Case Study for “Ms
About - Early Retirement Now Welcome! I hope I don’t disappoint anyone by revealing that my real name isn’t Ern Or Big Ern But I am a big guy, at 6’6″ (just under 2 meters), which explains why the name “Big Ern” stuck! My real name is Karsten I am originally from Germany but came to the U S in 1995 Initially … Continue reading About
Early Retirement Now - You cant afford not to retire early! We personally use and really enjoy the services mentioned below We wholeheartedly endorse them both to our relatives and friends, and thus also to the friends of the ERN blog! If you sign up through the affiliate links we’ll get a small referral fee and you get a signup bonus and the assurance that we can keep the lights on here at the ERN blog!
The Ultimate Guide to Safe Withdrawal Rates - Early Retirement Now That has helped the ERN family portfolio tremendously in the accumulation phase in 2001 and 2008 9 But retirees should be more nervous about a market downturn Remember, when it comes to Sequence of Return Risk, there is a zero-sum game between the saver and the retiree!
ERN Community - Early Retirement Now We personally use and really enjoy the services mentioned below We wholeheartedly endorse them both to our relatives and friends, and thus also to the friends of the ERN blog! If you sign up through the affiliate links we’ll get a small referral fee and you get a signup bonus and the assurance that we can keep the lights on here at the ERN blog!
Ask Big Ern: A Safe Withdrawal Rate Case Study for “Rene” Welcome! Today is the third installment of our Case Study Series Please check out the other two posts here if you haven’t done so already: Ask Big Ern: A Safe Withdrawal Rate Case Study for “John Smith” Ask Big Ern: A Safe Withdrawal Rate Case Study for “Captain Ron” Today’s volunteer “Rene” (not her real name) … Continue reading Ask Big Ern: A Safe Withdrawal Rate Case
U. S. Equity Returns: History and Big ERN’s 10-Year Forecast Big ERN’s equity return formula is an improved version of the Bogle Formula: a) I’m exclusively interested in real equity returns and b) I drill down into the Real EPS (earnings per share) growth and split it into Real GDP growth and EPS GDP expansion And for the math geeks, here’s the derivation of the Big ERN Equity return formula:
Meet the ERN family! - Early Retirement Now The ERN family: Karsten, Kristal and Kati during our 2018 ski vacation at Lake Tahoe In 2008, I moved to San Francisco to join the research department of a large investment manager I prefer to not mention my employer’s name out of an abundance of caution; nothing I write here is endorsed by them and blogging is purely a hobby of mine!