Couple of things on the surface:Necroing this thread, because it seems like the most relevant one. I compared engaging-data.com and ficalc.app. In principle, they should be doing the same thing, using the same data and should therefore have identical results. However, The results are off by 5-15%, which is significant. I'm trying to figure out why, and help would be appreciated.
Here's a simple example: withdrawing a constant $60k/year for 30 years against an 80/20 1M portfolio results in a 62% (ficalc) vs 59% (engaging-data):
ficalc
engaging-data
Would appreciate anyone who has the nitty gritty on this.
- Looks like RBD has an option to include investment fees. Don't see the option on FI Calc, so maybe you'd need to adjust spend to account?
- FI Calc shows the option to use data between 1871 and 2024 (or a subset) while RBD shows 1871 to 2023.
- FI Calc has options for rebalancing. Don't see options for RBD or an explanation of what they assume as the default.
Maybe these things are laid out somewhere in detail, but I didn't see them on the sites.
Statistics: Posted by margaritaville — Mon Dec 09, 2024 7:37 am — Replies 24 — Views 9065