Expert analysis on historical simulation, withdrawal strategies, and financial independence planning
The retirement date itself drives roughly 75% of outcome variance across 97 historical cohorts, more than withdrawal rate, allocation, or guardrails combined. A two-year flexibility …
Same markets, opposite fortunes. Why 1969 made savers rich and retirees poor while 1949 did the reverse.
1966 was worse than 1929. We tested how the same $1M portfolio performed starting in four of history's riskiest retirement years. Two failed completely. Two …