Hello,
When I use this input data:
Withdrawals 60,000
Plan End 50
95% Rule from WorkLess, Live More*
Percentage used for 95% Rule* 0
Bernicke Spending Reductions*
Current Age (for scheduling Bernicke spending reductions)* 48
Starting Portfolio 50,000
Percent in Stocks 90%
Expense Ratio 0.04%
Retirement Year* 2032
Contributions until then* 65,000
Social Security* 0
Starting in* 2035
Spouse Social Security* 0
Starting in* 2037
Other withdrawal change* +0
Starting in* 2025
Inflation adjusted* yes
Other withdrawal change* +0
Starting in* 2027
Inflation adjusted* yes
Other withdrawal change* +0
Starting in* 2031
Inflation adjusted* yes
Lump sum change to portfolio* +135,000
In year 2032
Lump sum change to portfolio* +75,000
In year * 2032
Lump sum change to portfolio* +0
In year * 2040
Inflation Rate selected* CPI
Fixed income model * LongInterest
Override start year* 1871
Terminal Value* 0
US Micro Cap** 10
US Small** 10
US Small Value** 10
S&P 500** 40
US Large Value** 40
US LT Treasury** 10
LT Corporate Bond** 15
1 Month Treasury** 5
and select "Given a success rate, determine spending level for a set portfolio, or portfolio for a set spending level" in the Investigate tab, I'm getting a flat line in the resulting graph (see attachment) that is only showing very low spending levels:
If I increase the "starting portfolio" value to something high enough, then the resulting graph makes more sense.
Any idea why this is happening?
When I use this input data:
Withdrawals 60,000
Plan End 50
95% Rule from WorkLess, Live More*
Percentage used for 95% Rule* 0
Bernicke Spending Reductions*
Current Age (for scheduling Bernicke spending reductions)* 48
Starting Portfolio 50,000
Percent in Stocks 90%
Expense Ratio 0.04%
Retirement Year* 2032
Contributions until then* 65,000
Social Security* 0
Starting in* 2035
Spouse Social Security* 0
Starting in* 2037
Other withdrawal change* +0
Starting in* 2025
Inflation adjusted* yes
Other withdrawal change* +0
Starting in* 2027
Inflation adjusted* yes
Other withdrawal change* +0
Starting in* 2031
Inflation adjusted* yes
Lump sum change to portfolio* +135,000
In year 2032
Lump sum change to portfolio* +75,000
In year * 2032
Lump sum change to portfolio* +0
In year * 2040
Inflation Rate selected* CPI
Fixed income model * LongInterest
Override start year* 1871
Terminal Value* 0
US Micro Cap** 10
US Small** 10
US Small Value** 10
S&P 500** 40
US Large Value** 40
US LT Treasury** 10
LT Corporate Bond** 15
1 Month Treasury** 5
and select "Given a success rate, determine spending level for a set portfolio, or portfolio for a set spending level" in the Investigate tab, I'm getting a flat line in the resulting graph (see attachment) that is only showing very low spending levels:
If I increase the "starting portfolio" value to something high enough, then the resulting graph makes more sense.
Any idea why this is happening?