Download Page (Updated 4/1/08)This is the place where I will present interesting files for download.
To download the files, perform these steps:
1) Right-click on the link.
2) From the menu, select SAVE AS.
3) Select which folder to store the file on your hard disk drive.
4) "Unzip" the Excel file.
5) Run Excel and load the file.
Performance Data (Updated 2/7/08) This Excel file shows both nominal and inflation-adjusted returns for the S&P 500, Small Stocks, Intermediate-Term Government Bonds and 90-Day Treasury Bills from any period from 1926 to 2007. You may vary the asset allocation and view returns resulting from both rebalancing and without rebalancing.
Right-Click this Link to download a .ZIP file
Rolling Returns (Updated 2/11/08) This Excel file shows a bar chart with the returns for the S&P 500, Intermediate-Term Government Bonds and 90-Day Treasury Bills. You may vary the annualized returns from 1 to 30 years. Returns can be displayed in nominal values or inflation-adjusted (real) values. Another bar chart shows the annualized inflation rate for rolling periods. Data is from 1926 to 2007.
Right-Click this Link to download a .ZIP file
Rolling Returns with Asset Allocation (Updated 2/15/08) This Excel file shows a bar chart with the combined returns of the S&P 500, Small-Cap Stocks, Intermediate-Term Government Bonds and 90-Day Treasury Bills by varying the asset allocation. You may vary the annualized returns from 1 to 30 years. Returns can be displayed in nominal values or inflation-adjusted (real) values. Data is from 1926 to 2007.
Right-Click this Link to download a .ZIP file
Growth of $1000 (Updated 2/24/08) This Excel file has a “mountain” chart showing the growth of $1000. View the growth of the S&P 500, Small-Cap Stocks, Intermediate-Term Government Bonds, 90-Day Treasury Bills and the combined growth by varying the asset allocation. Select annual rebalancing or no rebalancing. You may vary the timeframe from 5 to 50 years. Amounts can be displayed in nominal values or inflation-adjusted (real) values. Data is from 1926 to 2007.
Right-Click this Link to download a .ZIP file
To Rebalance or Not Rebalance (Updated 3/3/08) This Excel file has a “mountain” chart showing the growth of $1000 so you can compare the results of rebalancing each year or not rebalancing. View the combined growth of the S&P 500, Small-Cap Stocks, Intermediate-Term Government Bonds and 90-Day Treasury Bills by varying the asset allocation. You may vary the timeframe from 5 to 50 years. Data is from 1926 to 2007.
Right-Click this Link to download a .ZIP file
$1000 Dollar-Cost-Average Growth (Updated 3/7/08) This Excel file has a “mountain” chart showing a portfolio that grows as the result of $1000 deposited at the beginning of each year. Asset allocation can be varied between S&P 500, Small-Cap Stocks, Intermediate-Term Government Bonds and 90-Day Treasury Bills. You may vary the timeframe from 5 to 50 years. Amounts can be displayed in nominal values or inflation-adjusted (real) values. Data is from 1926 to 2007.
Right-Click this Link to download a .ZIP file
Retirement Withdrawal (Updated 3/11/08) This Excel file has a line chart and a “mountain” chart showing the results of withdrawing from a $1,000,000 nest egg during a 30-year period. There are two worksheets. In one worksheet, withdrawals are taken at the START of each year. In the other worksheet, withdrawals are taken at the END of each year. Asset allocation can be varied between S&P 500, Small-Cap Stocks, Intermediate-Term Government Bonds and 90-Day Treasury Bills. Amounts can be displayed in nominal values or inflation-adjusted (real) values. Data is from 1926 to 2007.
Right-Click this Link to download a .ZIP file
This Excel file demonstrates William Bengen's “Floor and Ceiling” variable withdrawal strategy. Other variable withdrawal strategies are examined at Variable Withdrawals in Retirement.
Maximum Withdrawal Rates (Updated 4/1/08) This Excel file shows Maximum Withdrawal Rates for timeframes from 10 to 40 years. Asset allocation can be varied between S&P 500, Small Stocks, Intermediate-Term Government Bonds and 90-Day Treasury Bills. You may select withdrawals starting at either the beginning of each year or at the end of each year. Data is from 1926 to 2007.
Right-Click this Link to download a .ZIP file
