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Understanding the Annuity Puzzle: Why Retirees Often Avoid Annuities
Economic theory suggests that retirees should protect themselves against outliving their assets by purchasing life
The Shocking International Experience of the 4% Rule
The Shocking International Experience of the 4% Rule. An argument made in support of the 4% rule is that despite what I argued before, post-1926 U.S…
Are market valuations the most important factor for retirement income strategies?
The question remains as to whether historical withdrawal rates provide sufficient insight about what can reasonably be expected to work for more recent retirees.
Spending Amounts vs Spending Value
How much should you plan to spend each year in retirement? That depends in large part on your budget.
Fixed Time Horizons vs. Survival Probabilities for Retirement Planning
The planning horizon for the 4% rule is 30 years, but how long will your retirement really last?
Are Annuities (SPIAs) Okay When Interest Rates are Low?
Readers of my last blog entry, Annuities and Delayed Social Security, provided many valuable comments,
Safe Withdrawal Rates and Life Expectancy, Part 2
Safe Withdrawal Rates and Life Expectancy, Part 2
A Paradigm Shift in Retirement Planning: Integrated Approach Reveals New Insights
Most retirement planning literature treats the working and retirement phases separately. My findings suggest that a fundamental rethink about retirement planning is needed.
