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How Much Wealth Will You Have 30 Years Into Retirement?

Thus far, we have compared the historical performance of various spending strategies when the initial spending rate is 4%. Over the next couple weeks, we will apply an XYZ rule and consider how spending may be impacted by the low-interest-rate environment facing retirees.

5 Ways You’re Sabotaging Your Retirement

It seems that no matter how much information is out there, people are still hitting retirement with little or no preparedness at all. Here are 5 of the most common ways people are sabotaging their retirement.

Which Retirement Spending Strategy Is Right For You?

Deciding on the right retirement spending strategy for your particular situation is both incredibly difficult, and incredibly important. There are huge numbers of reasonable options, but how do you know which is right for you? The answer depends on several factors.

Retirement Spending And Required Minimum Distributions

One final spending rule serves as a reasonably easy way to implement an actuarial method for retirement spending. Actuarial methods generally have retirees recalculate their sustainable spending annually based on the remaining portfolio balance, remaining longevity, and expected portfolio returns.

The Original Retirement Spending Decision Rules

The next decision rule approach provides the name for this category of methods. The Guyton and Klinger spending decision rules derive from work by Jonathan Guyton in 2004 and the team of Jonathan Guyton and William Klinger in 2006.

The Perks Of Being A Flexible Spender In Retirement

William Bengen’s 1994 article introduced the concept of the 4% rule for retirement withdrawals. He defined the sustainable spending rate as the percentage of retirement date assets which can be withdrawn, with this amount adjusted for inflation in subsequent years, such that the retirement portfolio is not depleted for at least thirty years.

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Disability and Early Retirement:

What You Can Do to Protect Yourself Now

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