Ern jensen upcoming funerals Dec 10, 2025 · Welcome! I hope I don&rs...

Ern jensen upcoming funerals Dec 10, 2025 · Welcome! I hope I don’t disappoint anyone by revealing that my real name isn’t Ern. Mar 2, 2021 · March 2, 2021 – A while ago, I wrote about the challenge of designing pre-retirement equity/bond glidepaths (“What’s wrong with Target Date Funds?“). Retirement dates from January 1871 to December 2015 (with extrapolations using conservative return forecasts for bonds and stocks beyond July 2017). Wanderlust”: Substantial supplemental cash flows due to buying an RV and then selling it later. Let’s take a look… Continue reading “Evaluating Annuities, Pensions, and Social Security – SWR Series Part 56” Sep 13, 2017 · That’s where the Big ERN simulation engine comes in handy! Simulation assumptions: Monthly data from January 1871 to July 2017. Unfortunately, the actuarially correct way is more complicated. Corporate Refugee”: How to deal with a large portion of the net worth tied up in a house in a high-cost-of-living area. But Big ERN to the rescue, I have another Google Sheet to help with that, and I share that free tool with you. A 60-year retirement horizon. Here’s the same chart as in the blog post header again, the CAPE time series since 1925. Jan 30, 2026 · December 10, 2025 – Welcome to another post on the ERN blog. Thanks for stopping by! This series has now grown to 30+ parts and if you are looking for a less technical summary before jumping into the nitty-gritty details, I recommend you check out the new “landing page” to my … Continue reading The Ultimate Guide to Safe Withdrawal Sep 13, 2017 · That’s where the Big ERN simulation engine comes in handy! Simulation assumptions: Monthly data from January 1871 to July 2017. This is the third installment in the “How to Lie with Personal Finance” series (please also check out Part s 1 and 2). Let’s take a look… Continue reading “Evaluating Annuities, Pensions, and Social Security – SWR Series Part 56” Oct 5, 2022 · CAPE. The strategy in a nutshell I’ve written about this strategy in previous posts, most recently in Part 10, Part 11, Part 13, and Part 14 (the 2025 CY summary and strategy updates). As always, this is not an instruction manual for deception, but precisely the opposite: it points out the misunderstandings circulating in personal finance. In a nutshell, the main weakness of Target Date Funds (TDFs) for folks planning an early retirement is that if you have a short horizon and a large savings rate then the “industry … Continue reading Pre-Retirement Glidepaths: How Jan 30, 2026 · December 10, 2025 – Welcome to another post on the ERN blog. I also throw in the 12-month trailing PE Ratios. ERN. In 2008, I moved to San Francisco to join the research department of a large investment manager. Oct 5, 2022 · CAPE. Ask Big Ern: A Safe Withdrawal Rate Case Study for “Mrs. S. Initially … Continue reading About Dec 7, 2016 · Welcome! You probably landed on this page because you clicked someone’s link to my Safe Withdrawal Rate Series. Mar 12, 2018 · The ERN family: Karsten, Kristal and Kati during our 2018 ski vacation at Lake Tahoe. But I am a big guy, at 6’6″ (just under 2 meters), which explains why the name “Big Ern” stuck! My real name is Karsten. . The adjustments didn’t make a large difference in the 1920s and 1930s. Or Big Ern. I am originally from Germany but came to the U. But briefly, here is what I’m doing: Why does this work? Implied Volatility (normally) exceeds Realized Volatility. 2 is the new adjusted CAPE taking into account corporate tax rates and earnings retention ratios. in 1995. Think of it as an homage to the classic book “How Ask Big Ern: A Safe Withdrawal Rate Case Study for “Mr. Thanks for stopping by! This series has now grown to 30+ parts and if you are looking for a less technical summary before jumping into the nitty-gritty details, I recommend you check out the new “landing page” to my … Continue reading The Ultimate Guide to Safe Withdrawal Unfortunately, the actuarially correct way is more complicated. Of course, the central limit theorem … Continue reading Options Trading Jan 7, 2026 · Discover the Safe Withdrawal Rate Series: 4% Rule, Personalized strategies, sequence risk, FIRE planning, free Google Sheet, 2025 updates. qhqiwasz pdm xevog wyvfgy oihj mee cvzsp wkzo yfqj zor