Jasmin and Ryan recently exchanged ideas about trading apps and new software that can help educate investors about key investment principles.

Join us in looking at the Big Picture®: New web-based software that helps financial advisors build trust with investors by evaluating their safe withdrawal rate.

Advisors can build portfolios using any combination of asset classes, and back-test them over rolling historical periods. In this way, the software reconstructs the investment experience of hundreds of retirees. Advisors can adjust inputs to illustrate the tradeoffs associated with different asset allocations, withdrawal rates, and lengths of retirement.

I used the “Big Picture” client education software to examine the impact of rebalancing frequency on historical SWRs and other retirement outcomes. The results argue against the notion to rebalance often.

My conversations and collaboration with Bill Bengen led me to research that shows how dramatically asset class diversification improves safe withdrawal rates.

I updated Bill Bengen’s groundbreaking analysis to examine the impact of investment expenses on historical retirement outcomes.