Portfolio Charts

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steveo73
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Re: Portfolio Charts

Post by steveo73 »

I was about to post that monevator mentioned portfolio charts. Well done Tyler.

Tyler9000
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Re: Portfolio Charts

Post by Tyler9000 »

If I can produce just a fraction of the great content they've contributed over the years, I'll be thrilled. I'm honored. Image

stayhigh
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Re: Portfolio Charts

Post by stayhigh »

Hey Tyler. I was just checking out and comparing few portfolios, when I realized that putting them every single time into every single calculator is bit annoying and time consuming. Is there any chance to create portfolio and display it's performance in all/selected calculators at the same time?

Tyler9000
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Re: Portfolio Charts

Post by Tyler9000 »

It's a little more complicated than it sounds, but I'm working on it.

In the meantime, you might try copying & pasting the asset allocation after you enter it once. That should save you a bit of repetitive effort.

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jennypenny
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Re: Portfolio Charts

Post by jennypenny »

Sorry to bug you again ... where would you place an annuity? By place I mean under what asset class would you add it to a calculator.

Tyler9000
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Re: Portfolio Charts

Post by Tyler9000 »

Hmm... there's not really a good spot for that. You're probably best off considering that as an outside income stream sorta like a rental. I know Dragline has asked for a custom asset field that might be able to account for something like this, and I'll think about that some more.

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jennypenny
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Re: Portfolio Charts

Post by jennypenny »

Sorry, I wasn't trying to give you an assignment. I'm just stuck with an annuity and it's large enough that I need to account for it somehow.

I miss when my entire life savings was in a passbook account. lol

Tyler9000
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Re: Portfolio Charts

Post by Tyler9000 »

Not an assignment, but still a good idea! ;) I appreciate the question.

Dragline
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Re: Portfolio Charts

Post by Dragline »

Do it for jp, if not for me . . . :D

Tyler9000
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Re: Portfolio Charts

Post by Tyler9000 »

You guys will probably find the latest tool interesting. It directly compares different withdrawal methods and analyzes their effect on retirement spending levels and account balances over time.

https://portfoliocharts.com/2016/10/06/ ... trategies/

eudaimonia
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Re: Portfolio Charts

Post by eudaimonia »

Wow, that is super helpful! Thanks.

workathome
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Re: Portfolio Charts

Post by workathome »

Nice photos too :-)

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C40
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Re: Portfolio Charts

Post by C40 »

Oh man, that's awesome. And great timing for me :-)

Thanks Tyler!

BRUTE
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Re: Portfolio Charts

Post by BRUTE »

that's pretty cool. how does Tyler9000 come up with these novel calculators?

IlliniDave
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Re: Portfolio Charts

Post by IlliniDave »

Back to the annuity topic, I too have annuity income (both SS and one from my employer). I typically ignore them when it comes to analysis of assets and net worth. You can estimate a present value for them and consider them a "bond-like" asset. For SS people use rules of thumb like 12x-14x whatever your current annual benefit is. For annuities you can go to immediateannuity.com and play around with the inputs to get what it would cost to buy a similar annuity to what you anticipate, and put that figure in the bond category too. I've done that for giggles just because it makes me look a few hundred k-bucks wealthier than I am :)

The most straightforward thing is to just subtract off the anticipated annuity/SS income from whatever withdrawals you intend to make like Tyler suggested above. I think if you dig around in the customization of firecalc you can enter pensions in addition to SS. I haven't played around with portfoliocharts as much since by the time I knew about the site I'd already built my own simulation/calculator that is dialed right in to my situation. But it looks like a really cool tool suite. Tyler9000 has done the world of future retirees a great service.

Tyler9000
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Re: Portfolio Charts

Post by Tyler9000 »

BRUTE wrote:how does Tyler9000 come up with these novel calculators?
Usually I come across a good question that I don't know the answer to, or a statement that I intuitively believe to be true or false but want some data to back it up (or prove me wrong). Basically, forums like this one inspire new ideas. Keep it up! :D

MrNotRobot
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Re: Portfolio Charts

Post by MrNotRobot »

Tyler9000 wrote: Data for multiple countries is still on my long-term wish list
I'm in Australia and from here it is no problem to buy NYSE traded ETFs through my online broker, at minimal additional cost. I guess it would be no problem from many other countries as well including Canada and UK. This should make it entirely possible to invest in any of the portfolios exactly as they appear on Portfolio Charts. It would be interesting to see how the portfolios performed with currency exchange rates incorporated.

Regarding the list of country data that you're looking for, I think it would be of great value to include Japan.

Tyler9000
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Re: Portfolio Charts

Post by Tyler9000 »

MrNotRobot wrote:I'm in Australia and from here it is no problem to buy NYSE traded ETFs through my online broker, at minimal additional cost. I guess it would be no problem from many other countries as well including Canada and UK. This should make it entirely possible to invest in any of the portfolios exactly as they appear on Portfolio Charts. It would be interesting to see how the portfolios performed with currency exchange rates incorporated.
Interesting train of thought.

To make the numbers valuable in foreign countries, I'd need to adjust for both currency exchange rates and also local inflation. I'm totally down for that if the resulting numbers would actually be actionable.

I just need some more info on the specifics of how that would work. Are you able to literally purchase the same US fund like VTI and TLT as you can in the US, or are you using special version in Australian dollars? What are the "minimum additional costs"? And does it work the same way in other countries as well?

BRUTE
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Re: Portfolio Charts

Post by BRUTE »

can't anyone do currency and local inflation calculations on their own? there are also differences in local taxes.. for example, afabk, US stock exchanges will withhold capital gains tax on stocks of foreigners for the IRS. it then might or might not be taxed again by the local government. way too complicated for Tyler9000 to model for every country.

Tyler9000
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Re: Portfolio Charts

Post by Tyler9000 »

Let's set taxes aside for a moment -- I agree those are really complex. How exactly does a foreign investor buy US-based funds? Does anyone have any experience with that, or can you point me to an online guide describing the process for your country?

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