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I think this post is very unfair. I did ask you to share your work (the Holy Grail) with us (we even joked about it). The other joke about lognormal was at my expense.

Hi Liam, Interesting comments. The purpose of the thread, as I understand it, is to assume that the ARF is needed to provide income in retirement for the normal person and how best to achieve this. You might have to read all the back pages! I know it's my own fault for asking the Duke to share...

Two words social entrepreneur!!:D (people with your brains need to help out the rest of us!!)

WHAT? WHAT'S THIS NONSENSE? You haven't found the Holy Grail? What the hell have you been doing all day? I feel very "grown-up" having on-line discussions about "generally accepted stochastic methods"! If only I could follow it all! (in fairness, I think your writing style helps!) How can we...

Sarenco and the Duke - my frustration of yesterday is giving way to hope again:D

To me, this thread started out full of promise but as it lengthens, I'm getting an uneasy feeling that I'm actually getting further away from getting valuable, practical nuggets as to how best to manage my ARF. Maybe all this will be of no consequence if the I have access to Colm's group ARF...

I must admit that this is a fair criticism and I don't like it (because it's completely justified!). Fair play, Sunny and I'm sorry Steven! I probably should be gracious and leave it at that. I suppose that I pushed a little hard but it's really just because I'd like to understand smart and...

Sorry Steven, I don't think that's fair. I think you could easily assume a profile and present something on that basis. We're talking about Mr. Normal! Otherwise, we are just rehearsing non stop the problems and not the solutions.

Thanks Duke, That's so well put about Mr Normal's decumulation and I do agree that the thread is moving away from the best currently available solutions for Mr. Normal. Like I've no idea if I'll ever have access to Colm's group proposals so I'd prefer to concentrate on the here and now and if...

Ah, I see interest rate but he said annuity rate - I had understood that they were different.

Colm, Thank you! Thank you sincerely. I very much appreciate your time. Of course, thanks to me, you won't have got sunburnt! As you were so fair in your comments and in the interests of good debate, I will just shoot from the hip with my honest thoughts about the parts of what you have said...

Hi Steven, I'm just trying to get a straight answer to a straight question. I feel I'm just going around in circles with you financiers! I asked Colm this question yesterday and he said in his answer today that he personally wasn't worried this risk because of the make-up of his fund. The...

Thanks Steven, So just so I'm sure that I've got it. If all my money was invested in equities, I would be exposed to a sequence of return risk?

Thanks to Colm for explaining his position. I think thanks are also due Elacsaplau for setting out this whole question so well and to SBarrett who explained brilliantly the real human aspects of all this. I don't think Colm's approach is for me. My fund size would not be big enough and I would...

Marc - Why not continue the debate here where all the people that use this site can benefit? In my opinion taking this off-line sort of undermines Askaboutmoney. Colm I'm a bit confused by what you wrote here. I'm not sure what the quote above means. Are you saying everything in equities is...

LoveTrees, That's fair enough and I'm sure that Marc has many happy clients. I was simply explaining why I will not be one of them in response to what I perceived to be a provocative statement. To me, working with an advisor is about trust and connection. This is a personal view but I simply do...

Marc This is a reference to me and I don't like it. It's a bit much. I purposely did not reply previously to your "offer" but given your post, I feel compelled to reply. Your assumption for my reasons for not replying is wrong. Speaking personally and frankly, I find your communication style...

Thanks Peemac, I was wondering about the rulings themselves - not a summary. I'm not sure why they are not published but they don't seem to be.

I don't see any rulings from the Ombudsman in the link provided?

That's the key point here