Retirement Income Funding Archives - Retirement Researcher

A paper chart with a calculator and pen resting on it

Charitable Planning – Leveraging Those Gains

By Rob Cordeau, CFP®, ChFC®, RICP® | November 8, 2017 |

The IRS encourages charitable giving by classifying donations to qualified charities as tax-deductible. As a result, it’s possible to “do good, while doing well.”

Wade Pfau Releases New Book on How to Spend Money Wisely in Retirement

By Wade Pfau, Ph.D., CFA, RICP® | October 9, 2017 |

Wade Pfau’s latest book gives much needed insight into how retirees can spend money in retirement without constantly worrying about going broke.

What Does Your Funded Ratio Score Mean?

By Alex Murguia, PhD | July 14, 2017 |

By providing your financial objectives and the ways you want to fund them with essential and discretionary expenses, you can create a framework. Your Funded Ratio score will tell you how close your aspirations are to your reality.

Taking Portfolio Spending Into the Real World for Retirees

By Wade Pfau, Ph.D., CFA, RICP® | May 30, 2017 |

There has been too much emphasis on the portfolio and spending conservatively to keep failure rates low. This is not the whole story for retirement income. Certain circumstances, which we will explore, may allow retirees to accept a higher probability of “failure,” and spend more aggressively from their investment portfolio.

What Can the Retirement CARE Analysis™ Tell You About Your Retirement Plan?

By Wade Pfau, Ph.D., CFA, RICP® | May 22, 2017 |

The Retirement CARE Analysis can help you figure out your asset allocation and an appropriate spending rate for retirement.

The Possibilities of Broader Diversification in Retirement

By Wade Pfau, Ph.D., CFA, RICP® | May 9, 2017 |

Often, retirees are limited to accepting whatever a researcher assumes about market returns in order to obtain guidance about sustainable spending rates. I proposed a general framework for determining a safe withdrawal rate for a given retirement duration, acceptable failure probability, asset allocation, and capital market expectations.

Should You Use a Rising Equity Glide Path in Retirement?

By Wade Pfau, Ph.D., CFA, RICP® | May 8, 2017 |

Retirement income comes in many forms. Wade Pfau considers the pros and cons of a rising equity glide path.

role of risk in investing retirement researcher

What is Risk?

By Bob French, CFA | May 5, 2017 |

Risk is one of those complicated concepts that you can’t really pin down to one definition, but it’s the single most important factor for investors.

What’s the Most Appropriate Planning Age for Retirees?

By Wade Pfau, Ph.D., CFA, RICP® | May 1, 2017 |

The relationship between how long you’ll live and your sustainable spending rate is a big piece of the retirement planning puzzle.

How Likely Is It That You’ll Live Past 80?

By Wade Pfau, Ph.D., CFA, RICP® | May 1, 2017 |

One way to deal with the uncertainty of how long you’ll live when you plan for retirement is to look at survival probabilities.

4 Ways to Manage Sequence of Returns Risk in Retirement

By Wade Pfau, Ph.D., CFA, RICP® | April 17, 2017 |

Sequence of returns risk is a major concern for even the most well-prepared retirees, but there are steps you can take to manage it.

Building A Retirement Income TIPS Ladder

By Wade Pfau, Ph.D., CFA, RICP® | March 20, 2017 |

A TIPS ladder can be constructed similarly to a Treasury strips ladder, learn how it’s done here.