The gold component in the first few years doesn't appear to drastically affect the end results. Previously, I was utilizing historical annual gold prices as set by Treasury ($35.50, $35.40, etc.). The sustainable CWR was still 4.6% (compared to 4.7% with the data MG provided) for 1996.mathjak107 wrote: it was not publicly owned until 1975 so it is not really fair trying to utilize an asset before it could be legally owned unless you were a coin collector .
you can't possibly want to do this comparison to the point of bringing in data that is just DIS-INGENIOUS
I'm not necessarily looking for some exact percentage to take as a set-in-stone, guaranteed-not-to-fail CWR percentage. I'm more interested in modeling 1966 as the worst year for retirement to give me some confidence that my PP will sustain me in the manner in which my family is accustomed to living.
I also wanted to satisfy my personal curiosity whether 1966 would vary dramatically from the numbers from Tyler's sustainable WR calculator. I have satisfied myself that it doesn't.
I'm feeling pretty good that using Robert Clyatt's withdrawal technique would have worked with the HPP, even in a 1966 retirement year scenario.