1) I post a Letter to the Editor at the www.Early-Retirement-Planning-Insights.com site entitled Do All Really Bad Price Drops Happen at Times of High Valuations? I say: “If an investor could be assured of not being likely to experience a loss of greater than 20 percent for more than five years, I think that would make stock investing more attractive.”
2) I post a Letter to the Editor at the www.Early-Retirement-Planning-Insights.com site entitled How Long Do You Have to Wait for 7 Percent? I say: “I would like to be able to cite to people how long it would take them to get to 7 percent in a worst-case scenario, for purchases made today, for purchases made in January 2000, and for purchases made at moderate valuations. I think it would also be helpful to know the number that applies at extremely low valuations.”
3) I post a Letter to the Editor at the www.Early-Retirement-Planning-Insights.com site entitled A New Take on the 7 Percent Rule. I say: “There are big differences between being sure of a 7 percent return in 10 years and being sure in 30 years and being sure in 50 years.”
4) I post a Letter to the Editor at the www.Early-Retirement-Planning-Insights.com site entitled True Buy-and-Hold Investing. I say: “I do not believe that an investor should be using the newspaper prices of his stock investments to determine his net worth.”
5) I post a Letter to the Editor at the www.Early-Retirement-Planning-Insights.com site entitled You Can’t Count on 7 Percent. I say: “There is no need for an indexing investor to choose particular stocks. What he chooses instead are different mixes of income streams. The strategic issue facing the indexing investor is — how much do I put in stocks today and how much do I put in non-stocks so that the long-term income streams generated are likely to provide the best help to my quest to achieve my most important life, work, and money goals?”
6) I post a Letter to the Editor at the www.Early-Retirement-Planning-Insights.com site entitled Safe Withdrawal Rates and Historical Surviving Withdrawal Rates. I say: “The root flaw of the conventional methodology is not that we entered a bubble in the late 1990s, but that the methodology always examined not safety but survival. The bubble greatly exacerbated the problem that existed from the day the conventional methodology was created.”
7) I post a Letter to the Editor at the www.Early-Retirement-Planning-Insights.com site entitled Safe and Hazardous Regions. I say: “We need to call a spade a spade. Retirements that have more than a one in four chance of going bust are not properly termed “safe,” in my view. I would like to think that few are ‘planning’ such retirements.”
8 ) I post an article at the www.Early-Retirement-Planning-Insights.com site entitled Using SWR Analysis to Compare Asset Classes. I say: “Another factor that is often overlooked is the growth potential of a safe asset class like TIPS when the intent is to transfer those funds to stocks when the SWR for stocks becomes attractive.”
Today’s Passion: John explains how his put his training and experience as a System Engineer to good use in the Retire Early/Indexing Community’s development of its investing insights of recent years in an article entitled System Engineering.
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