Extensive research shows that many of the fundamental concepts used in the current retirement planning practice are mostly useless. Myths and untruths about the importance of asset allocation, diversification, sustainable withdrawal rates, efficient frontier, time horizon are Here is a fresh look at lifelong retirement income planning, based on years of market history. Myths and untruths about the importance of asset allocation, diversification, sustainable withdrawal rates, efficient frontier, time horizon are explained in detail. The futility of the prevailing Gaussian mindset in current investment planning is demonstrated with examples and case studies.
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After spending several years in engineering and investing for his own account, he started his financial planning career in He won this award a second time in on the same subject — about market cycles and sequence of returns. A successful sustainable sales strategy must deliver frontline activities and routines that can be replicated time and time again.
As a business grows, different challenges and opportunities demand different solutions — what worked a year ago might not be the best approach today. His philosophy was very simple: Why guess? Why gamble? Why not use the actual, unadulterated historic market data?
Neither the standard retirement calculator, nor the Monte Carlo simulation can account for the Time Value of Fluctuations. The Otar Retirement Calculator does! The Otar Retirement Calculator is based on actual market data. There are no assumptions of average growth or inflation. It gives you a range of portfolio asset projections that enables you to plan realistically for your retirement.
When you enter your personal financial data, the model calculates asset values and cash flow streams as if you retired in each of the years since The actual historic market data is applied to your specific financial situation.
All by one click! Areas of expertise.
Free E-Book: Unveiling the Retirement Myth by Jim Otar
Investing Book Review: Jim Otar’s Unveiling the Retirement Myth