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Variable percentage withdrawal
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| #!/usr/bin/env python3 | |
| def pmt(rate, nper, pv, fv=0, when=0): | |
| if rate == 0: | |
| return -(pv + fv) / nper | |
| factor = (1 + rate) ** nper | |
| return -(rate * (pv * factor + fv)) / ((1 + rate * when) * (factor - 1)) | |
| def getVpw(port_eq, age): | |
| eq_grt = 0.05 | |
| bond_grt = 0.019 | |
| port_bond = 1.0 - port_eq | |
| grt = (port_bond * bond_grt) + (port_eq * eq_grt) | |
| return pmt(grt, 100-age, -1, 0, 1) | |
| r=getVpw(0.6, 60) | |
| # if rate is more than 10%, constrain it to 10% like boglehead spreadsheet | |
| if r > 0.1: | |
| r = 0.1 | |
| print(r) |
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