Quanist Investment

This articlel is about comparing withdrawing from portfolios of just SPY and Franklin Income Fund.

Franklin Income Fund US version has lower expense ratio of 0.62%, while the Luxembourg version has a expense raio of 1.67%.

Franklin Income Fund is a old fund, older than SPY. Franklin Income Fund incepted in 08/31/1948 while SPY incepted on 22 Jan 1993. Some FKINX Stats: Gross Expense Ratio: 0.62%. Dividend Frequency: Monthly. Index Compared: Blended 50% MSCI USA High Dividend Yield Index + 25% Bloomberg High Yield Very Liquid Index + 25% Bloomberg US Aggregate Index Does FKINX Pay Increasing Dividends? It does not look like FKINX pays growing dividends. Does FKINX Beat S&P 500 Index Or Blended 50% MSCI USA High Dividend Yield Index + 25% Bloomberg High Yield Very Liquid Index + 25% Bloomberg US Aggregate Index? The following comparison has the end date of March 22, 2022. 1 year returns 3 year returns 5 year returns 10 year returns 15 year returns Since 1957 Downsie Rick Comparison with SPY Invested at the high of  2000 on 3/24, FKINX beats SPY by a lot. Invested at the high of  2007 o...

This blog post is about VCIT and LQD oerformance comparison. Both are corporate bond ETFs. The "Run 100 Comparisons" button is for running randomly select dates and compare 100 times. The result is how many of the 100 times does LQD beat VCIT. Note that the Run 100 Comparison simulator takes about 10 seconds for the computer to run, so please be patient and check the result in the 3rd bullet point.

SPY and LQD, which is better?

SPY and VTV, which is better?

This artical is about comparing performance between IWF and VRGWX. The VRGWX's inception date is 2010/9/23 The "Run 100 Comparisons" button is for running randomly select dates and compare 100 times. The result is how many of the 100 times does IWF beat VRGWX. My conclusion is that VRGWX and IWF yield the similar returns. Note that the Run 100 Comparison simulator takes about 10 seconds for the computer to run, so please be patient and check the result in the 3rd bullet point.

AB - American Growth Portfolio A Acc has a good performance. For many periods of times, it even beats the S&P 500 Index. But the fund actually tracks the Russell 1000 Growth Index, so it may not be fair to compare AB - American Growth Portfolio A Acc to the S&P 500 Index funds such as IVV, SPY or VOO.

After reading The Simple Path to Wealth , I found it possible to keep a 100% S&P 500 index funds and retire with it. All I have to do is to accumulate S&P 500 index fund such as SPY, then sell and withdraw during for daily spending during retirement. I wouldn't use up all of my funds. I have also done some detail calculation for withdrawing 4% from an all SPY portfolio right at the peak of 2000 or 2008 financial crises, and I have found not only would I have not used up my fund, but have also grown my portfolio. The calculation is in this article . The calculation tool is here: Will I Spend All Of My SPY Portfolio? How much more could I have withdrawn? Now, back to me topic. I want to know the max amount of money I could have withdrawn during the 2000 or the 2008 financial crises and still not be borke.  Retired at the peak before the 2000 market downturn The answer is 5.85%. Retired at the peak before the 2008 market downturn The...

Here are some of my most frequently looked up fianancial data. Stock Prices During the 2000 financial crisis, the S&P 500  index closed at the highest point on Mar 24, 2000 at 1,527.46 and bottomed at 776.76 on Oct 09, 2002. It took about 1.5 years to bottom. It was until May 30, 2007 when the index broke through and closed at 1,530.23, which took about 9 years to recover. During the 2008 financial crisis, the S&P 500  index closed at the highest point on Oct 9, 2007 at 1,565.15 and bottomed at 676.53 on Mar 09, 2009. It took about 1.5 years to bottom. It was until Apr 09, 2013 when the index broke through and closed at 1,568.61, which took about 5 years and 7 months to recover. 2022 S&P 500 topped on Jan 3, 2022 at 4,796.56.  During the 2020 Covid-19 crisis,  the S&P 500  index closed at the highest point on Feb 19, 2020 at 3,386.15 and bottomed at 2,304.92 on Mar 20, 2020. ...

I have done a research on whether I would use up all my money selling 4% from an all SPY portolio starting from the peaks of past major financial crises of 2000 and 2008/. The answe I have found is no, I would not have used up all of my retirement fund.

This article is about downside risk calculation based on March 2022 Fed's rate projection. The moment I am writing this article, the US 10-year treasury yield is traded at 2.904%, which seams to be a good deal. Form the point of view of "4% return rate can support a retirement life from a total SP500 index fund portfolio", is just 1.096% off of it. The following Calculation is based on the following information obtained from Wall Street Journal, and assume all US 10-year note pay semi-annual coupons with absolute default risks. What did the fed say Federal Open Market Committee announced the 0.25% rate incrase on the 3rd of March, 2022. Along with this announcement was the projected rate during the years of 2022, 2023 and 2024. Here are the predicted federal funds rates: In 2022, the medium is 1.9% which is 1% higher than December projection. In 2023, the medium is 2.8% which is 1.4% higher than...