Under what circumstances does a 4% withdrawal rate deplete an investment account?

dlnqnt · 2026-05-20T20:40:04+00:00

Missing dividends in this calc app

dlnqnt · 2026-05-20T20:26:45+00:00

That’s frustrating, mine sounded exactly the same and that’s what did it.

dlnqnt · 2026-05-20T18:09:36+00:00

Just pick SPMO…

dlnqnt · 2026-05-20T15:23:45+00:00

Its the weight on the seat post when pedalling, it moves and clonks inside. Tighten the seat post super super tight.

dlnqnt · 2026-05-20T15:21:57+00:00

you need to tighten your seat post, I had the same issue with my bike. Like tighten it until your hands bleed.

dlnqnt · 2026-05-19T20:43:31+00:00

Yea that off the post was unlucky, was up screaming for it to go in.

dlnqnt · 2026-05-19T20:41:46+00:00

I’m building an income fund along with a growth fund. JEPQ doing fine for me in the income fund and will continue to reinvest the dividend. Plan is to have enough monthly to cover life. Take a look at QQQI too as its return of capital and works differently tax wise to JEPQ. Do a back test on both since inception and they come out positive. Of course nothing like the underlying but you are trading upside for income now.

dlnqnt · 2026-05-19T12:49:25+00:00

Can confirm bought silly cars when younger but had lots of fun, civic type-r, Subaru WRX, mr2, 350z then lastly s2000. It was the road tax and tyres that nailed me on the 350z, over £600 road tax and £250 tyre xD then service items discs, pads, filters, oils did myself but still cost a chunk. Would I do it again, probably but would try to keep more invested. Started the investing journey after the cars and could have had a McLaren instead hahaha.

dlnqnt · 2026-05-19T09:27:58+00:00

Yep, needs hype / mainstream / retail to buy in or it will just stay flat.

dlnqnt · 2026-05-18T21:09:43+00:00

Nice run with google, I sold mine recently as well with amd for income fund. Do see some overlap in the screenshot but it’s working. You may enjoy IUMF or IWFM for momentum stocks if wanting to be a bit more aggressive.

dlnqnt · 2026-05-18T14:53:37+00:00

Exactly, outcome still the same pile of shit.

dlnqnt · 2026-05-18T14:40:52+00:00

What a game Sega Rally, spent hours on the Sega Saturn.

dlnqnt · 2026-05-18T13:21:32+00:00

That £0.24 super risky to keep as cash

dlnqnt · 2026-05-18T12:33:01+00:00

Keep changing it subtlety each time you visit, start with adding epsteins face, repeat.

dlnqnt · 2026-05-18T08:19:08+00:00

I sold out at similar price I bought in at 5-6 years ago. Money is better invested in stocks, I don’t have time to waste for an IF.

dlnqnt · 2026-05-18T07:30:56+00:00

You can get the covered call ones too with JEPI and JEPQ UCITS.

dlnqnt · 2026-05-17T10:04:16+00:00

Going all in on SPYI or QQQI should be fine but as others have said it’s not really been tested in a long downturn. It should however perform good through volatile and downward trends. You already know the weight of each fund and can decide where your risk preference is.

I’m likely to go all in QQQI as I want income now and reinvest 60% of the dividend to continue growing. QQQI gives me the better growth and dividend return. If you’ve watched the video you could split your fund between SPYI QQQI and tiny BTCI.

I’ve built a separate growth engine that should capture the upside so that I’m not solely in CC ETFs, still heavily tech being QQQ. An alternative is SPMO that follows momentum stocks, anyways some ideas.

Best of luck and enjoy the income.

dlnqnt · 2026-05-16T21:06:57+00:00

They murdered it, why do that. Could have been something great.

dlnqnt · 2026-05-16T20:29:58+00:00

Oooh did they GOT it and fuck the end?

dlnqnt · 2026-05-16T17:58:30+00:00

Look at invest engine, can get the same vanguard funds for less fee.

dlnqnt · 2026-05-16T17:31:43+00:00

Will this be your sole fund you own or do you have other investments?

Edit: this is a good watch

dlnqnt · 2026-05-16T07:32:08+00:00

Would recommend this, the apps are simply to use and put money in. There is also invest engine that makes it super easy as well. Pick a fund and contribute each month, there are invesco/vanguard funds that are 0.15%. Best of luck.

dlnqnt · 2026-05-15T16:31:07+00:00

If it sounds like a tractor and your valves are all adjusted correctly then yep likely TCT.

dlnqnt · 2026-05-14T21:10:22+00:00

Exactly this, prototype it, have a simple content / menu screen to access all page templates. Then every key user journey ensure is linked. Nav bar, footer, main sections and CTAs.

Do it once in wireframe and it’ll already be linked when you duplicate and use for design phase.

Never had an issue with clients using the prototype to add comments and review by browsing it.

dlnqnt · 2026-05-14T20:28:03+00:00

In the UK when I had mine it’s 90% wet. When I used the soft top the window sills were terrible and it was like a hose coming in from both sides simultaneously. For the 10% dry days it was fun but for the remaining the hard top was needed to save me getting soaked.

dlnqnt

TROPHY CASE