Episode 289: More Lido Shuffling and Monte Carlo Mania, Personal Finance Guru Battles, and Bonds vs. Bond Funds

<p>In this episode we respond to emails from Matt, MyContactInfo, Alexi (a/k/a &quot;Dude&quot;) and Sharon.  We follow up on Matt&apos;s email from Episode 286, talk more about using Portfolio Visualizer and safe and perpetual withdrawal rates, Allan Roth&apos;s critique of Wade Pfau&apos;s analysis and article and related issues, and individual bonds vs. bond funds.<br/><br/>Links:<br/><br/>Matt&apos;s Current Portfolio Monte Carlo Sim:  <a href='https://www.portfoliovisualizer.com/monte-carlo-simulation?s=y&amp;fullHistory=true&amp;allocation4_1=6&amp;adjustmentType=2&amp;allocation2_1=23&amp;smoothingRate=75&amp;allocation8_1=2.8&amp;historicalVolatility=true&amp;allocation6_1=8&amp;volatility=12.0&amp;investmentHorizon=1&amp;endYear=2022&amp;years=55&amp;frequency=4&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=40000&amp;allocation1_1=23&amp;allocation5_1=3&amp;allocation3_1=6&amp;circularBootstrap=true&amp;stateTax=0.0&amp;simulationModel=1&amp;allocation7_1=28.2&amp;distribution=1&amp;currentAge=70&amp;timeSeries=1&amp;bootstrapMaxYears=20&amp;asset1=LargeCapBlend&amp;asset2=SmallCapValue&amp;asset3=IntlSmall&amp;asset4=IntlValue&amp;asset5=TreasuryBills&amp;asset6=Gold&amp;asset7=LongTreasury&amp;historicalCorrelations=true&amp;asset8=REIT&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;riskFreeRate=5.3&amp;initialAmount=1000000'>Monte Carlo Simulation (portfoliovisualizer.com)</a><br/><br/>Similar Allocation Monte Carlo Sim:  https://tinyurl.com/2p8twtdp<br/><br/>Golden Butterfly Monte Carlo Sim:  https://tinyurl