danielpalacio

[danielpalacio @danielpalacio]

@petrogustavo Reloj de oro de $300,000,000 patek phillipe y zapatos loro piana de 10,000,000 - NO ME ROBE NADA…..

[danielpalacio @danielpalacio]

@auren you mean 0.01%. Thats 4% a year, you could spend that every day. So no point overthinking. But 0.1%, you need to think. you might be able to do buy that about 10 times a year.

[danielpalacio @danielpalacio]

@tekprime99 Second 12% is nominal growth, not real. Inflation will eat up any real growth even if returns would be able to keep up with withdrawals at that rate, highly unlikely.

A very aggressive withdrawal rate, that has chances of surviving only during good decades is max 6%.

[danielpalacio @danielpalacio]

@tekprime99 So much wrong with this “math”: markets returns are not sequential, they average 12%, but they have a huge volatily drag. An 8% initial withdrawal rate will exhibit permanent shrinking the principal and she has a very high chance of running out of money.

[danielpalacio @danielpalacio]

@EDUreboot Not to be pedantic, but 5% is $500K a month - ao you’re not helping yourself here. He is actually at the 4% rule. Further 5% is rarely sustainable in a 20 year horizon without principal erosion. 5% is absolutely not a “conservative” withdrawal rate by any means.

[danielpalacio @danielpalacio]

@kevinxu Yes, but all of your “gains” today are due to the fact you chose a stock with very little volume, and your followers pushed price up. Real sustainable gains are still possible but unless you want to rug pull your followers, seems that crediting yourself for this isn’t honest.

[danielpalacio @danielpalacio]

@preston_holland Depreciation. Interest.

[danielpalacio @danielpalacio]

@michaeljburry Depreciation & loan interest enter the room….

[danielpalacio @danielpalacio]

@realkpr16 @CultishCreative @Panoptica_ai @jradbo what i am saying is the 4% rules is 4% + inflation, not 2.65% + inflation.

[danielpalacio @danielpalacio]

@realkpr16 @CultishCreative @Panoptica_ai @jradbo You are saying you can take $1M put it into 30 year tips, and then take $48K + inflation every year for 30 years?

[danielpalacio @danielpalacio]

@realkpr16 @CultishCreative @Panoptica_ai @jradbo I understood you. But the 4% rule, is not that you take 4% every year - if that was the case its impossible to loose, you could take 20% each year and never loose. Its you take 4% of current net worth into nominal, and then adjust that nominal + inflation each year.

[danielpalacio @danielpalacio]

@CultishCreative @Panoptica_ai @jradbo Wow what a long article to say practically nothing. How do you position your planning then? What real questions? is this an AI article?

So the 4% rule popularity fluctuates. &…..?

[danielpalacio @danielpalacio]

@JDVance you wan’t lower rates now? communicate better, plan better. Not that you are doing bad, it’s just very wild. You can’t expect the governance board to appropriately plan with such uncertainty. Or just keep doing what you want, but expect them to crawl.

[danielpalacio @danielpalacio]

@JDVance whats your point. There are board notes. Before election inflation had dropped in line with expectation so lower rates where warranted. Post election you decided to implement tariffs without any plan so inflation uncertainty shot up. There still a lot of uncertainty.

[danielpalacio @danielpalacio]

@Post_Market @chamath Btw if companies hate underwrites, you can always direct list. Anyone who believes you have any sense of picking a good winning company & producing real returns is delusional

[danielpalacio @danielpalacio]

@Post_Market @chamath Given that, no employee at circle has sold even 1 share - they can’t. So actually, they have profited 675%. thats about 675% more than any of your SPAC investors

[danielpalacio @danielpalacio]

@PalmerLuckey Is not about the $$$, its about who’s buying & who’s selling….you should always know this before going into a meeting