Episode 139: Amortization Withdrawal Strategies, Levered Accumulation Portfolios, Growth Funds And MORE COWBELL!

<p>In this episode, we answer emails from Adam, Amit, Jeffrey and Kevin.  We discuss  alternative theoretical withdrawal strategies and tools to model them, practical considerations for withdrawals, milkshakes, the differences between the sample portfolios and their withdrawal percentages, Torqemada, modeling leveraged accumulation portfolios, the ups and downs of growth funds and value funds, and Kevin&apos;s desires for More Cowbell.<br/><br/>Links:<br/><br/>Monte Carlo simulation with a life expectancy withdrawal strategy:  <a href='https://www.portfoliovisualizer.com/monte-carlo-simulation?s=y&amp;fullHistory=true&amp;allocation4_1=16&amp;adjustmentType=4&amp;allocation2_1=21&amp;smoothingRate=75&amp;historicalVolatility=true&amp;allocation6_1=6&amp;volatility=12.0&amp;investmentHorizon=1&amp;endYear=2020&amp;years=40&amp;frequency=2&amp;mode=1&amp;inflationAdjusted=true&amp;inflationVolatility=3.0&amp;sequenceStressTest=0&amp;inflationMean=4.0&amp;startYear=1972&amp;bootstrapModel=1&amp;inflationModel=1&amp;taxTreatment=false&amp;customIntervals=false&amp;adjustmentPercentage=4.0&amp;incomeTax=37.0&amp;rebalanceType=1&amp;capitalGainsTax=20.0&amp;dof=30&amp;adjustmentAmount=45000&amp;allocation1_1=21&amp;allocation5_1=10&amp;allocation3_1=26&amp;circularBootstrap=true&amp;stateTax=0.0&amp;simulationModel=1&amp;distribution=1&amp;currentAge=57&amp;timeSeries=1&amp;bootstrapMaxYears=20&amp;asset1=LargeCapGrowth&amp;asset2=SmallCapValue&amp;asset3=LongTreasury&amp;asset4=Gold&amp;asset5=REIT&amp;asset6=ShortTreasury&amp;historicalCorrelations=true&amp;dividendTax=20.0&amp;returnList=0%2C+2.5%2C+5%2C+7.5%2C+10%2C+12.5&amp;affordableCareActTax=3.8&amp;lifeExpectancyModel=0&amp;bootstrapMinYears=1&amp;meanReturn=7.0&amp;percentileList=10%2C+25%2C+50%2C+75%2C+90&amp;rollingAveragePeriods=3&amp;initialAmount=1000000'>Monte Carlo Simulation (portfoliovisualizer.com)</a><br/><br/>Portfolio Charts Retirement Spending Calculator:  <a href='https://portfoliocharts.com/portfolio/retirement-spending/'>RETIREMENT SPENDING –