Whereas our “base case” system of fixed real withdrawals pointed to a 3.8% starting withdrawal percentage as sustainable for a balanced portfolio over a 30-year horizon, the starting safe withdrawal rates for
Tag: ETF retiring investment
Our Best Investment Portfolio Examples for Savers and Retirees
What’s left over is the amount of cash flow that the portfolio will need to supply each year (in other words, the desired withdrawal amount, including income, capital gains, and outright withdrawals). To construct a
Planning to Retire Soon? Flexibility and Spending Count
We have been running a study every year where we’ve been looking at what a starting safe withdrawal rate would be for people just embarking on retirement. I would say, retirees would maybe want to think about a
U.S. Government’s Investment Options Are Good but Could Be Great
Like most U.S. retirement savings plans, target-date strategies are important and growing components of TSP. To offer a measure of independent analysis to L Fund investors and the advisors who serve
Mark Miller: Rebooting Retirement
And I do think how it affects people depends very much on their financial circumstances and their age, what the situation is with management of healthcare costs, Social Security-claiming decisions. “ The Financial
Roger Whitney: ‘Retirement Planning Is Not Financial Planning’
But I like that process of revisiting a topic, whether it’s long-term care, or Social Security, or Medicare, and starting at the beginning again, because it’s so easy to get trapped in our own thinking and how we plan,