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The Perfect Withdrawal Amount

Retirement Planning

This R code takes the formula for the Perfect Withdrawal Amount ['PWA'] from the paper by Suarez, Suarez & Walz (SSRN 2551370) and re-samples from 30+ years of annual S&P500 returns to simulate forward investment returns, compute the PWA, and graph the results.

The idea came from "The State of Risk Management" by Newfound Research, August 2018.

To do...

  • use 360 monthly simulated returns rather than 30 annual returns
  • adjust returns for inflation (ref Newfound)
  • Reproduce the Newfound comparison of PWA between all-equity SPX, 60/40 and risk portfolios comprising Salient Risk Parity Index, CBOE S&P500 95-110 Collar index, CBOE S&P500 5% Put Protection index, CBOE S&P500 PutWrite index, long only defensive equity (blend of min vol, quality, dividend growth), trend following strategy (managed futures and tactical equity).

Date 27/11/2018

rod_morley@me.com

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Modeling the Perfect Withdrawal Amount

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