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Retirement Analysis: What discount rate do you recommend for pension timing analysis?
Posted on 7/12/25 at 6:10 pm
Posted on 7/12/25 at 6:10 pm
Doing PV calculations:
Pension start at 3 different ages, incl. the haircuts for taking sooner.
And the corresponding impact to deferred accounts balances and estimated RMD tax beginning 75yo.
Using 5-6% discount rate. Thoughts?
Pension start at 3 different ages, incl. the haircuts for taking sooner.
And the corresponding impact to deferred accounts balances and estimated RMD tax beginning 75yo.
Using 5-6% discount rate. Thoughts?
This post was edited on 7/12/25 at 8:18 pm
2
Posted on 7/12/25 at 9:30 pm to Artificial Ignorance
Put it all on black and live your life no matter the consequences. Either way, nothing else will matter.
Posted on 7/14/25 at 6:10 pm to Artificial Ignorance
When I was retiring, I went through the exercise of writing a retirement investment simulation in Excel that did a 2000 iteration Monte Carlo statistical analysis. At the time I came up with the following inputs (I searched around, but I don't remember where I got the values. They were actual numbers over the period of the last 100 years or something.)
Annual Investment Return: 5.4%, 8.7% Std. Dev.
Annual Inflation Rate: 3.7%, 2.6% Std Dev.
Annual Investment Return: 5.4%, 8.7% Std. Dev.
Annual Inflation Rate: 3.7%, 2.6% Std Dev.
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