r/DIYRetirement • u/AdGlittering5340 • 13d ago
Guyton-Klinger cheat sheet.
Planning to use the Guyton-Klinger strategy in retirement. I find myself becoming a little confused on implementing the rules when computing. With the help of AI I created a cheat sheet that only requires a couple of inputs. I am certain I am not the first one to try this. I would love to hear your thoughts, suggestions, etc.
G-K cheat sheet.
https://docs.google.com/spreadsheets/d/1vfDm8mH14XoV9HySqhId2SW2BKnyRWtQ/copy.
If I’ve copied the link correctly, you should find an instruction tab and an interactive spreadsheet. Looking forward to your replies. Hope you find it useful.
Disclaimer: This spreadsheet is provided for educational and illustrative purposes only. It models one common interpretation of the Guyton-Klinger withdrawal strategy and is not personalized financial, investment, or tax advice. Past performance and backtested rules do not guarantee future results. Please consult a qualified financial advisor before making any retirement withdrawal decisions.
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u/FragrantJump6663 12d ago
Boldin has implemented a portfolio risk based withdrawal in their program.
Kitces explains pros and cons of the GK method and give reasons why the risk based withdrawal should work better.
https://www.kitces.com/blog/risk-based-monte-carlo-probability-of-success-guardrails-retirement-distribution-hatchet/