That's great to hear. Thanks!I just discovered this thread and the TPAW planner tool and my eyes have been opened to a whole new way to view my retirement planning.
If the current allocation and the target allocation are very different and you can't adjust quickly due to transaction costs, try making two separate plans—one featuring the current allocation, and one the target allocation. The true simulation will lie somewhere in between, so you can get some idea of what it might be like.Like many others the dynamic asset allocation is the hardest part to digest. Should I adjust my risk to get close to my actual allocation and then try to follow the recommended glide path from there. Or, should I adjust my risk/tilt to get the spending graph I want and then try to adjust my allocation to match the recommended allocation. If I choose the second option I have major changes to make to my allocation and I don’t think it’s feasible due to fees, taxes etc.
Any advice is appreciated, thanks.
Eventually, we'll try to include asset allocation constraints like this in the simulation.
Statistics: Posted by Ben Mathew — Wed Jan 22, 2025 7:52 pm — Replies 1332 — Views 336276