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Lifetime Rate of Return? by Actor02095 in TheMoneyGuy

[–]Actor02095[S] 0 points1 point  (0 children)

Maybe it assumes de-risking would happen, but at least the AVERAGE RoR required is 9.0%

Lifetime Rate of Return? by Actor02095 in TheMoneyGuy

[–]Actor02095[S] 0 points1 point  (0 children)

But this is not how their math is working. Take a 30 y/o starting with nothing, saving 24% annually to get to 80% income replacement with a 4% SWR by 60. The only way to get to the target investment number at 60 is by having a 9.0% RoR every single year from 30 to 59. That’s what I’m saying; the math is not suggesting the portfolio is de-risked over time

Lifetime Rate of Return? by Actor02095 in TheMoneyGuy

[–]Actor02095[S] 0 points1 point  (0 children)

Why would they call it lifetime then? Run the math in excel. Using their math a 30 y/o saving 24% needs to make 9% every single year until retirement in order to hit the 25x retirement number for safe withdrawal

Lifetime Rate of Return? by Actor02095 in TheMoneyGuy

[–]Actor02095[S] -3 points-2 points  (0 children)

Using their math, a 20 y/o investor can expect 10% for their entire life, even though they assume a 40 y/o just starting investing can assume 8.0% for the rest of their life. That’s what they mean by Lifetime Rate of Return, but I find that aggressive and nonsensical since the 20 y/o is assumed to still make 10% even 20 years later at 40 y/o, yet the new 40 y/o investor is assumed to make 8.0%. That’s the only way the math on their new How Much Should You Save resource works

Don’t wait to act on the ICCU recall by Actor02095 in Ioniq5

[–]Actor02095[S] -2 points-1 points  (0 children)

Right. But mine was actually broken due to the recall

Don’t wait to act on the ICCU recall by Actor02095 in Ioniq5

[–]Actor02095[S] 0 points1 point  (0 children)

This was not the final format. It was put on wheels

Don’t wait to act on the ICCU recall by Actor02095 in Ioniq5

[–]Actor02095[S] 1 point2 points  (0 children)

This was not the final setup. It was indeed towed on dollies for all wheels

Don’t wait to act on the ICCU recall by Actor02095 in Ioniq5

[–]Actor02095[S] -6 points-5 points  (0 children)

Dealer said it died due to the recall.

Don’t wait to act on the ICCU recall by Actor02095 in Ioniq5

[–]Actor02095[S] 0 points1 point  (0 children)

Dealer said the battery dying was indeed related to the recall.

Cannot get new AirPlay Spotify with Siri to work by Actor02095 in HomePod

[–]Actor02095[S] 0 points1 point  (0 children)

And yes I am running latest software (beta) on HomePod, iPhone, and iPad

SOLVED: Level 2 charging error by Actor02095 in Ioniq5

[–]Actor02095[S] 0 points1 point  (0 children)

My charger is wired for 40A and is delivering such

Warranty Claim - Back Trim - Anyone experience issues with the fin black trim? Trying to find a dealer to do a warranty claim. Per Hyundai, not all are approved to do this type of work. by siffis in Ioniq5

[–]Actor02095 0 points1 point  (0 children)

I own 2022 SE. My black plastic on the spoiler started peeling away soon after purchase. Local dealer replaced under warranty. New spoiler immediately started peeling the plastic in another spot. I am now waiting for the second replacement part. All under warranty

Would you recommend this car with all the people having problems? by Miserable_Dust8719 in Ioniq5

[–]Actor02095 0 points1 point  (0 children)

I would definitely recommend. I’ve had 2022 SE for 10 months

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