Podcasts about withdrawal rates

Hi, and welcome to The Long View. I'm Christine Benz, director of personal finance and retirement planning for Morningstar. Today on the podcast, we welcome back author and blogger JL Collins. JL's first book, The Simple Path to Wealth: Your road map to financial independence and a rich, free life, was published in 2016 and has since sold more than 1 million copies. He has recently come out with a second edition of the book, which his daughter, Jess, collaborated on. In 2023, he published another book called Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence.BackgroundBioThe Simple Path to Wealth (Revised & Expanded 2025 Edition): Your Road Map to Financial Independence and a Rich, Free LifePathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence—And How to Join ThemThe Simple Path to Wealth, 4% Rule, Inflation, and Stocks“Case Study #1: Putting the Simple Path to Wealth Into Action,” by JL Collins, jlcollinsnh.com, July 10, 2023.“Things Important, and Unimportant,” by JL Collins, jlcollinsnh.com, March 1, 2023.“Stocks—Part XIII: The 4% Rule, Withdrawal Rates and How Much Can I Spend Anyway?” by JL Collins, jlcollinsnh.com, Oct. 15, 2023.“Déjà Vu All Over Again,” by JL Collins, jlcollinshh.com, April 18, 2025.“Stocks—Part IV: The Big Ugly Event, Deflation and a Bit on Inflation,” by JL Collins, jlcollinsnh.com, Nov. 16, 2023.“Stocks—Part XXII: Stepping Away From REITs,” by JL Collins, jlcollinsnh.com, May 12, 2025.“Stocks—Part XXVII: Why I Don't Like Dollar Cost Averaging,” by JL Collins, jlcollinshn.com, Jan. 8, 2024.“Stocks—Part III: Most People Lose Money in the Market,” by JL Collins, jlcollinsnh.com, Nov. 16, 2023.“Time Machine and the Future Returns for Stocks,” by JL Collins, jlcollinsnh.com, July 10, 2023.Debt Paydown“Chainsaws and Credit Cards,” by JL Collins, jlcollinsnh.com, March 30, 2023.“Stocks—Part XXVIII: Debt – The Unacceptable Burden,” by JL Collins, jlcollinsnh.com, May 12, 2025.Other“JL Collins: The Case for Simplicity,” The Long View podcast, Morningstar.com, April 5, 2022.“JL Collins: Spotlighting the Many Paths to Financial Independence,” The Long View podcast, Morningstar.com, Oct. 31, 2023.Vanguard Total Stock Market Index VTSAXBill BengenMr. Money Mustache

Abe delves into the evolving landscape of retirement planning, focusing on the 4% rule and its recent adjustment to 3.7% as suggested by Morningstar. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

This week's show covers the latest updates on safe withdrawal rates, whether you should trust a bank with your investments, gifting, large-cap stocks, and more!

This week's show covers the latest updates on safe withdrawal rates, whether you should trust a bank with your investments, gifting, large-cap stocks, and more!

What drives the best financial planning decisions? In this episode, Ben Felix and Mark McGrath sit down with Ben Mathew, a PhD in economics from the University of Chicago and author of Economics: The Remarkable Story of How the Economy Works. The discussion explores the lifecycle model of economics, a powerful yet underutilized framework for financial planning, and contrasts it with traditional approaches like safe withdrawal rates (SWR). Ben Mathew shares insights into the lifecycle model, its origins, and its practical applications in aligning financial decisions with personal goals over a lifetime. We also dig into Ben's innovative financial planning tool, TPAW (Total Portfolio Allocation and Withdrawal) Planner, designed to bring the lifecycle model into practice. While the discussion delves into the complexities of financial planning, it's packed with actionable insights for listeners seeking smarter, evidence-based strategies. Join us for a deep dive into the lifecycle model and discover how it compares to traditional safe withdrawal rates.   Key Points From This Episode:   (0:02:31) Identifying the main problem financial planning aims to solve and the biggest challenges in creating a plan for saving and spending across a lifetime. (0:05:49) Exploring the effectiveness of simple rules of thumb, like the 4% rule, and the economic models available to analyze financial planning problems. (0:09:16) Why the lifecycle model isn't more widely adopted. (0:12:06) The basic premise of the lifecycle model. (0:16:45) How withdrawals in the lifecycle model relate to amortization and how risk affects amortization-based withdrawals. (0:21:12) Examining how amortization-based variable spending aligns with consumption smoothing and responds to portfolio drops. (0:25:25) How updating expected return assumptions mitigates behavioural worry during market drops. (0:26:37) The variability in spending seen in historical simulations, how variable spending can be tailored to individual preferences, and the recommended frequency for updating financial calculations. (0:38:30) What the lifecycle model advises about asset allocation. (0:42:00) The importance of expected return assumptions in lifecycle asset allocation advice. (0:45:28) Adjusting lifecycle advice for when you have limited information about expected returns and how retirement glide paths compare to the lifecycle model. (0:50:03) How asset allocation in the model changes based on the time horizon of the goal. (0:54:10) The influence of different wealth levels on asset allocation in the lifecycle model. (0:56:43) How the safe withdrawal rate methodology works and key problems with its approach. (01:08:11) Connecting the probability of success metric to the utility function and differentiating variable safe withdrawal rates (SWR) from amortization-based withdrawals. (01:17:02) An overview of Ben's exciting online tool, TPAW (Total Portfolio Allocation and Withdrawal) Planner, for bringing the lifecycle model into practice.   Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder Website — https://rationalreminder.ca/  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on X — https://x.com/RationalRemindRational Reminder on TikTok — www.tiktok.com/@rationalreminder Rational Reminder on YouTube — https://www.youtube.com/channel/ Rational Reminder Email — info@rationalreminder.caBenjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Mark McGrath on LinkedIn — https://www.linkedin.com/in/markmcgrathcfp/ Mark McGrath on X — https://x.com/MarkMcGrathCFP Ben Mathew — http://www.benmatheweconomics.com/ Ben Mathew on LinkedIn — https://www.linkedin.com/in/bmathecon/  TPAW Planner — tpawplanner.com Bogleheads — https://www.bogleheads.org/wiki/Main_Page   Books From Today's Episode:   Economics: The Remarkable Story of How the Economy Works — https://www.amazon.com/Economics-Remarkable-Story-Economy-Works/dp/0988669102 The Missing Billionaires: A Guide to Better Financial Decisions — https://www.amazon.com/Missing-Billionaires-Better-Financial-Decisions/dp/1119747910

In today's episode of the Money Mastery Unleashed Podcast, Adam Olson, a Certified Financial Planner with Mutual of Omaha, dives into the crucial topic of retirement income planning. He explains the concept of safe withdrawal rates, a vital strategy for ensuring your money lasts throughout your retirement. Adam discusses how to structure your withdrawal rates and the importance of having a comprehensive plan for your total income needs, which vary from person to person. He introduces the traditional 4% rule, developed by William Bengen in 1994, and explores its relevance in today's economic landscape, emphasizing the need for flexibility and adaptability. Adam also covers the Go-Go, Slow-Go, and No-Go years, explaining how spending typically changes over the course of retirement and the impact of long-term care costs. He highlights alternative strategies like the guardrail and bucketing strategies, and the benefits of annuitizing part of your retirement assets.  "Retirement income planning is crucial to ensure you don't run out of money during your golden years." Key Takeaways: Safe Withdrawal Rates Sources of Retirement Income Retirement Spending Phases Planning for Long-Term Care Learn more about Adam Olson by visiting the following links: Facebook Personal Website Business Website -- Investing involves risk, including loss of principal.    Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions.  Any strategies discussed may not be suitable for everyone.  Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.  Adam Olson, Representative.  Mutual of Omaha Investor Services is not affiliated with any entity listed herein.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product. Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties.  Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

Frank and Frankie discuss the need for personalized financial advice, the significance of understanding withdrawal rates, and the potential pitfalls of relying solely on the 4% rule. The discussion also highlights the value of thorough financial planning, including tax savings and risk management, to maximize retirement income. Connect with the team at A Better Way Financial  to get a second opinion on your retirement plan today! CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”See omnystudio.com/listener for privacy information.

Welcome to this edition of The Planning for Retirement Podcast.  This is Volume 1 of this new series, The Whiteboard Retirement Plan, where Kevin breaks down a real-life client case for “Bob and Jennifer” in plain English.  The goal is to help answer the question, “Can I fire my boss?”   He discusses the savings rate, income sources, and withdrawal rate, highlighting the need for adjustments and planning opportunities. The episode ends with a discussion on the impact of early Social Security claiming and survivor benefits. Bob and Jennifer are in a good position to retire, but there are some risks they need to address. Long-term care planning is important, as 70% of people over 65 will need some form of long-term care. They should consider whether to self-fund or get long-term care insurance. Tax planning is also crucial, as 80% of their assets are in tax-deferred accounts. They should explore Roth conversions to minimize taxes and leave a financial legacy to their children. Finding purpose in retirement is essential, and they should consider how to spend their free time to maximize their life experiences with their loved ones. Lastly, they need to have an optimized investment strategy to spin off income for the rest of their lives, while at the same time address a potential bear market or recession.   Takeaways Diversification is crucial in investment portfolios to mitigate the risk of selling the wrong thing at the wrong time. Interest rate cuts by the Fed can impact the stock market and the economy, but volatility and corrections are normal in investing. The Whiteboard Retirement Plan is a straight forward analysis on whether or not a client can fire their boss and retire comfortably.   Early Social Security claiming can result in reduced benefits, affecting both the retiree and potential survivor benefits.  However, in some cases you may consider collecting early to offset a high rate of withdrawal on investments.   Adjustments to your plan are necessary to ensure a sustainable retirement income.  Long-term care planning is important for all retirees to consider, as it can have a significant impact on your loved ones, particularly your surviving spouse and children.   Tax planning, including Roth conversions, can help minimize taxes and maximize your financial legacy to the next generation. Finding purpose in retirement is crucial for a fulfilling and meaningful retirement. Links Social Media: ⁠⁠Facebook ⁠⁠ ⁠⁠LinkedIn ⁠⁠ ⁠⁠Instagram⁠⁠ Referenced in Episode: ⁠⁠June Inflation Report: https://www.barrons.com/livecoverage/cpi-inflation-june-report-data-today Purpose and Successful Retirement Transition Questionnaire: https://dashboard.mailerlite.com/forms/81643/127757558462022794/share ⁠⁠Are you interested in working with me 1 on 1?  Fill out our Retirement Readiness Survey

If you'll be retiring soon, you may wonder how you'll pay for it.  In this episode of

Watch this Episode and Subscribe on YouTube

Does the perfect asset allocation exist? To create a retirement portfolio that aligns with your long-term financial goals and needs, you might find your savings reap the most benefit by taking an international approach.  In this episode, we discuss:  Conflicting opinions around the four percent rule. What does a “safe withdrawal rate” really mean? Why you need to know about the “Ulcer Index”. The risk of home country bias. Today's article comes from PortfolioCharts.com titled, What Global Withdrawal Rates Teach Us About Ideal Retirement Portfolios. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation. Our Market Outlook Webinar is live! Visit https://bit.ly/4bmHkUb to register. Show Notes: RetireWithPurpose.com/438 Rate & Review the Podcast: RetireWithPurpose.com/review

Wes is joined by Capital Investment Advisors Chief Investment Officer Connor Miller on today's show. They digest the week's news before jumping into Jerome Powell's recent economic comments regarding interest rates, inflation, and stagflation. Next, Wes recalls a recent Dave and Busters adventure with his son to explore betting on “anything” and who might be capitalizing on the trend. Then, they compare two different retirement withdrawal rates, highlighting the practical implications of each and what it might mean for the duration of a happy retirement.

In this episode we unpack the essential elements of crafting a sound investment strategy for retirement. We'll explore the concept of withdrawal rates, helping you determine how much you can safely spend from your nest egg without running out of money. Tune in for expert advice on building a sustainable financial future.

In this episode we unpack the essential elements of crafting a sound investment strategy for retirement. We'll explore the concept of withdrawal rates, helping you determine how much you can safely spend from your nest egg without running out of money. Tune in for expert advice on building a sustainable financial future.

In this episode we answer emails from Kyle, Andrew, Sameer and James.  We discuss some portfolio comparisons of levered 60/40 portfolios, interpreting and comparing safe withdrawal rates from various calculators and their practical application in consideration of variable expenses and needs (our 3-1-1 flexible withdrawal plan),  the foolish consistencies of DIYer and financial planners who seem to enjoy discouraging retirement spending,  and recent articles about Fidelity's spat with some ETF providers.Links:Kyle's Portfolio #1:  Backtest Portfolio Asset Allocation (portfoliovisualizer.com)Kyle's Portfolios #1 and #2:  Backtest Portfolio Asset Allocation (portfoliovisualizer.com)Kyle's Portfolios #1, #2 and #3:  Backtest Portfolio Asset Allocation (portfoliovisualizer.com) Golden Butterfly Portfolio -- SWR And Other Characteristics:  Golden Butterfly Portfolio – Portfolio ChartsLarry Swedroe Interview About New Book and Factor Investing:  ‘Buffett really was not a great stock picker': Financial researcher Larry Swedroe on how investors can emulate the billionaire investor – NBC ConnecticutArticle #1 re Fidelity and Fees:  Fidelity Puts Nine ETF Firms on Notice That New Fees Are Looming - Bloomberg (archive.fo)Article #2 re Fidelity and Fees:  Fidelity Adds Surcharge to ETF Platform | etf.comSupport the show

Are Safe Withdrawal debates ridiculous? More importantly, is there a way to be less rigid and actually withdraw more? In this rewind episode we chat with Christine Benz of Morningstar and Joe Saul-Sehy of the Stacking Benjamins podcast about alternatives to the four percent rule. Learn more about your ad choices. Visit megaphone.fm/adchoices

Financial expert and author Ric Edelman has stated that, in his opinion, anyone following Dave Ramsey's 8% retirement withdrawal strategy is…doomed! The 4% rule has been the distribution rates' gold standard for over 30 years. However, Suze Orman said that she wouldn't use the 4% rule on any level.  David touches upon what he considers a “massive unintended consequence” of adopting Suze Orman's 3% withdrawal rate in retirement. According to David, there isn't a winner between a 3%, a 4%, and an 8% retirement withdrawal strategy. He gives a couple of examples that illustrate why that's the case. David believes that, to get the best bang for your buck with the highest success rate over a 30-year retirement, a guaranteed lifetime income annuity is – almost always – the best way to go.   Mentioned in this episode: David's books: Power of Zero, Look Before You LIRP, The Volatility Shield, Tax-Free Income for Life and The Infinity Code DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free 3-part video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Dave Ramsey Suze Orman Ric Edelman

In this rather short episode we answer emails from Ralph, Scott, Eric, the Mysterious Visitor 9575, and Steven.  We discuss my recent absence and predilections for silliness, a recent podcast from the Inflation Guy about safe withdrawal rates and coming updates to the website.Links:Inflation Guy Podcast Episode:  Ep. 92: Safe Withdrawal Rates - Accounting for Inflation | Cents and Sensibility: the Inflation Guy Podcast (podbean.com)Risk Parity Chronicles:  Risk Parity ChroniclesFather McKenna Center Donation Page:  Donate - Father McKenna CenterSupport the show

One of the things Dave Ramsey is famous for is telling his audience that they can take sustainable 8% distributions from their stock market portfolios in retirement. David has two issues with this recommendation: it ignores reams of academic data on sustainable withdrawal rates, as well as the concept of sequence of return. David points out the potential repercussions of following Ramsey's approach. According to the mainstream financial community, 4% is the actual “golden rule” for sustainable distribution rates in retirement. Ramsey has long complained about the 4% rule being a pretty expensive way to go… David illustrates a key problem with an 8% withdrawal rate and discusses the role of a volatility shield. David explains that the money you can put in a volatility shield has to grow tax-free and allow for tax-free distributions. It's possible to increase your sustainable withdrawal rate on your stock portfolio to as high as 8%, with a 95% chance of never running out of money – David explains how. On an apple-to-apples basis, guaranteed lifetime income annuities give you a much higher income than living by the 4% rule in retirement. Following this Dave Ramsey strategy? David believes that it's likely going to force you to run out of money 15-20 years in advance of life expectancy.     Mentioned in this episode: David's books: Power of Zero, Look Before You LIRP, The Volatility Shield, Tax-Free Income for Life and The Infinity Code DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free 3-part video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

The notion of a 'safe withdrawal rate,' being a real amount that can be taken out of savings in retirement each year without a significant risk of running out of money in some window of time, goes back to a 1994 paper by Bengen which enshrined the "4-percent rule." In this podcast, the Inflation Guy discusses improvements to that rule - including some that he popularized - especially when it comes to the need to add some inflation-proofing to an asset mix that needs to keep up with inflation! The IG still prefers personal liability-driven-investing, but investment do-it-yourselfers who like rules of thumb need to know that there are easy ways to improve on the 4% rule...and some not-so-obvious pitfalls in using it blindly! The Inflation Guy also responds to an excellent listener email about last week's episode.   NOTES Podcast callback: Ep. 91: Quality Adjustment (?) in College Tuition Inflation The Inflation Guy's Society of Actuaries paper: Maximizing Personal Surplus: Liability-Driven Investment for Individuals To Subscribe to Quarterly Inflation Outlook: https://inflationguy.blog/shop/ To Subscribe for free to the blog: https://inflationguy.blog/ Check out the new website!: https://www.EnduringInvestments.com/

(11/24/23)Withdrawal Rates & Recency Bias: Why Dave Ramsey is wrong about withdrawal rates. MorningStar: Dealing with higher fixed-income rates: not here to stay. Why the 4% Withdrawal Rate is back...for now. Sequence of Returns & Guaranteed Income when the withdrawal rate is not constant. NOTE: This presentation includes video originally lost due to technical issues on the day the show was originally streamed. 0:00 - Teaser  1:03 - Withdrawal rates & Recency Bias: Ramsey is Wrong 7:43 - That part you may have missed... 12:20 - Sequence of Returns Risks & Guaranteed Income Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer -------- These segments are excerpted from a previous show, which can be more fully viewed here: https://www.youtube.com/watch?v=iR6uRWwmEY8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=14s -------- The latest installment of our new feature, Before the Bell, "When Not-so-Bad News is Good" is here: https://www.youtube.com/watch?v=kdv5qsINM00&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "The Year of The Magnificent Seven" https://www.youtube.com/watch?v=blvFign-AWA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=10s -------- Articles Mentioned in this Show: "Employment Is Sending Signals: Recession Or Normalization?" https://realinvestmentadvice.com/employment-is-sending-signals-recession-or-normalization/ "Speculator Or Investor? What's The Difference?" https://realinvestmentadvice.com/speculator-or-investor-whats-the-difference/ "Bond Rates Drop As Recession Fears Return" https://realinvestmentadvice.com/newsletter/ ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- Register for our next Candid Coffee: https://us06web.zoom.us/webinar/register/6316958366519/WN_jCrzdX9uSJSrg5MBN5Oy8g ------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #RetirementSpending #4%Rule #Inflation #EconomicSentiment #ButterballTurkey #Thanksgiving #Markets #Money #Investing

(11/17/23) Richard Rosso's adventures in Houston traffic, market seasonality, and stock-bond correlation: Why would the Fed cut interest rates now? WalMart's results: What are companies going to do during deflation? Richard calls the Butterball Turkey Hotline; spending survey results for 2023 & Consumer Sentiment indexes: Why are American's still spending? The WalMart Parking Lot Indicator. Withdrawal Rates & Recency Bias: Why Dave Ramsey is wrong about withdrawal rates. MorningStar: Dealing with higher fixed-income rates: not here to stay. Why the 4% Withdrawal Rate is back...for now. Sequence of Returns & Guaranteed Income when the withdrawal rate is not constant. SEG-1: Driving in Houston & Market Seasonality SEG-2: Butterball Turkey Talk Line & Spending Results for 2023 SEG-3: Withdrawal rates & Recency Bias: Ramsey is Wrong SEG-4: Sequence of Returns Risks & Guaranteed Income Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=iR6uRWwmEY8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=14s -------- The latest installment of our new feature, Before the Bell, "When Not-so-Bad News is Good" is here: https://www.youtube.com/watch?v=kdv5qsINM00&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "The Year of The Magnificent Seven" https://www.youtube.com/watch?v=blvFign-AWA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=10s -------- Articles Mentioned in this Show: "Employment Is Sending Signals: Recession Or Normalization?" https://realinvestmentadvice.com/employment-is-sending-signals-recession-or-normalization/ "Speculator Or Investor? What's The Difference?" https://realinvestmentadvice.com/speculator-or-investor-whats-the-difference/ "Bond Rates Drop As Recession Fears Return" https://realinvestmentadvice.com/newsletter/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- Register for our next Candid Coffee: https://us06web.zoom.us/webinar/register/6316958366519/WN_jCrzdX9uSJSrg5MBN5Oy8g ------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #RetirementSpending #4%Rule #Inflation #EconomicSentiment #ButterballTurkey #Thanksgiving #Markets #Money #Investing

In this episode, we dive into the popular topic of the 4% rule and its relevance toretirement planning. Wediscuss how the 4% rule is a safe withdrawal rate ratherthan a prediction of investment returns, emphasizing its purpose in ensuringfinancial security in the worst-case scenarios.  Read the full show notes and find more information here: EP 43 Show Noes

The 4% rule has become a standard used by many investors to determine the amount they can safely withdrawal in retirement. But most don't know where it came from, the assumptions used for it and how safe withdrawal rates can be impacted by the many factors we deal with as investors. In this episode we take a deep dive into the 4% rule and the concept of safe withdrawal rates and look at the answers to those questions. We hope you enjoy the discussion. SEE LATEST EPISODES ⁠⁠⁠⁠https://www.validea.com/the-education-of-a-financial-planner-podcast⁠⁠⁠⁠ FIND OUT MORE ABOUT VALIDEA CAPITAL ⁠⁠⁠⁠https://www.valideacapital.com⁠⁠⁠⁠ FIND OUT MORE ABOUT SUNPOINTE INVESTMENTS ⁠⁠⁠⁠https://sunpointeinvestments.com/⁠⁠⁠⁠ FOLLOW JACK Twitter: ⁠⁠⁠⁠https://twitter.com/practicalquant⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠https://www.linkedin.com/in/jack-forehand-8015094⁠⁠⁠⁠ FOLLOW JUSTIN Twitter: ⁠⁠⁠⁠https://twitter.com/jjcarbonneau⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠https://www.linkedin.com/in/jcarbonneau⁠⁠⁠⁠ FOLLOW MATT Twitter: ⁠⁠⁠⁠https://twitter.com/cultishcreative⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠https://www.linkedin.com/in/matt-zeigler-a58a0a60/

Christine Benz, CFP®, is Morningstar's Director of Personal Finance and the co-host of The Long View Podcast. We discuss 2022 taxes and how SECURE Act 2.0 will affect 2023 taxes and beyond. We also dive into a safe withdrawal rate during retirement and discuss how changing market valuations, inflation expectations, and the "spending smile" during retirement affects the amount you can reasonably withdraw.   This podcast is hosted by Rick Ferri, CFA, a long-time Boglehead and investment adviser. The Bogleheads are a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, founder and former CEO of the Vanguard Group. It is a conflict-free community where individual investors reach out and provide education, assistance, and relevant information to other investors of all experience levels at no cost. The organization supports a free forum at Bogleheads.org, and the wiki site is Bogleheads® wiki.    Since 2000, the Bogleheads' have held national conferences in major cities around the country. There are also many Local Chapters in the US and even a few Foreign Chapters that meet regularly. New Chapters are being added on a regular basis. All Bogleheads activities are coordinated by volunteers who contribute their time and talent.     This podcast is supported by the John C. Bogle Center for Financial Literacy, a non-profit organization approved by the IRS as a 501(c)(3) public charity on February 6, 2012. Your tax-deductible donation to the Bogle Center is appreciated.  

In this special episode, Christine Benz, the director of personal finance at Morningstar, talks about portfolio makeovers and how to spot common pitfalls. This episode includes an excerpt from Christine's webcast—“5 Portfolio Pitfalls and How to Fix Them.” 0:06 Introduction 00:51 - What did you think was important to address as we watch the markets tumble?01:54 - How does your webcast help investors identify the next steps?03:30 - How does age play a role in reworking a portfolio? 04:32 - What should people know before they adjust their portfolios in an effort to reduce the drag of taxes? 05:31 - Pre-Retirees: Is Your Asset Allocation Too Aggressive? Read about topics from this episode.  Check out Christine's PresentationIs It Too Late to Inflation-Proof Your Portfolio?5 Portfolio Pitfalls and How to Fix ThemHow a New Retiree Can Confront Market TurbulencePositioning a Portfolio in Early Retirement What to watch from Morningstar.Cheap Stocks For You to ConsiderWhat to Buy or Skip: I Bonds, Apple, Amazon, or MetaWhere to Park Your Cash and Find Recession-Resistant StocksMarkets are Undervalued, and We Highlight Some Cheap Stocks! Read what our team is writing:Chritine Benz Follow us on social media.Ivanna Hampton on Twitter: @IvannaHamptonChristine Benz on Twitter: @Christine_BenzFacebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

In today's Office Hours, Eric answers April's question: “Why do some advisors say that taking 5% or more of your retirement nestegg out every year is dangerous?” Determining a reasonable withdrawal rate depends on factors including your asset level, retirement timeline, and age. Eric explains three different asset structuring strategies that can help you avoid outliving your money.  Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

In this episode of Ready for Retirement, James discusses how withdrawal rates should change if you don't have any legacy goals.Questions Answered: How can you plan most effectively for your legacy goals (or lack thereof)?What should you consider in terms of withdrawing funds and your goals?How can you ensure you reach your retirement goals?We're on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial PartnersLET'S CONNECT!FacebookLinkedInWebsiteENJOY THE SHOW?Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google PlayHave a question you want answered on a future episode? Submit it here

Most traditional retirement plans in the past were created by making a projection that has taken into account assumptions around inflation, rates of return, and longevity and putting it all together to see if there is money left over to last you the remainder of your life. Although this is a good starting point, it doesn't take into account any unforeseen circumstances. In this episode, I will be sharing some other methods retirement planners are using these days to create a safer outcome for your retirement. You can find show notes and more information by clicking here: RPS Ep 13 Show Notes

Consideration of retirement income and how RMDs figure in

Today on episode 29 I want to welcome back to Clipping Chains writer, climber, father of five, and fellow personal finance geek, The Frugal Professor.We cover it all on this one, from how the Frugal Professor was able to save nearly $2 million dollars with a family of seven, to how my wife and I are continuing to navigate a post-Financial Independence life. Topics Discussed with the Frugal ProfessorHow FP became what I call “the Hustler of Personal Finance,” where he regularly gives us the full frontal of personal finance transparency.How FP was able to build a net worth of nearly $2 million with a family of seven by age 40Saving tips for a large familyA deep dive on the importance of understanding taxesWays to minimize our lifetime tax burden while avoiding high healthcare costsHow my wife and I funded our life in 2021 with near-zero incomeHow much we paid in taxes in 2021Why one should be careful with the type of investments you place in a taxable brokerage accountEarly retirees and Medicaid. Is this legit?Musings on the “correct” portfolio withdrawal rate and not falling victim to “one more year syndrome”My thoughts on living in St. George, UTAdvice to college students or recent grads Support this project: Buy Me a CoffeeSubscribe to the website: SUBSCRIBE ME! Frugal Professor LinksOriginal Written InterviewFP interviews Chad AndrewsDraft of “Book”Frugal Professor Site MapFrugal Professor Monthly Financial UpdatesFinancial Statement Template2021 Tax CalculatorHierarchy of SavingsHierarchy of DissavingsRoth vs TradCash Back on Credit CardsWhy to Shop at CostcoHow to Pay ~$0 for Cell Phones Clipping Chains LinksEP 5: Diana Crabtree Green: Pay Yourself FirstEP 26: How to Spend Retirement Money Early (Roth Conversion Ladder)How to Have Negative Health Insurance Costs External ResourcesHealth Insurance Marketplace CalculatorRetirement Savings for the Self-Employed: Solo 401(k)Early Retirement Now Safe Withdrawal Rate Series BooksThe Richest Man in Babylon (George S Clason)A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing (Burton G. Malkiel)Common Sense on Mutual Funds (John Bogle) Time Stamps0:2:47: Interview begins0:6:27: How FP became “the Hustler of Personal Finance” and the origins of his blog120:12:57: The importance of visuals and tracking0:17:25: FP's career and education pathway that led to a net worth of nearly $2 million by age 400:25:54: An outsider's view of a simple life and the misperceptions on what wealth looks like0:26:38: The security of financial independence0:27:43: The timeline and expectations for the financial independence life for FP and his family0:31:07: Why understanding taxes is so important0:36:27: Structuring the CC Family taxes in a life of “early retirement.”0:37:22: How we funded our life in 20210:41:00: What we paid in 2021 federal taxes and how/why we arrived at our level of investment income0:47:25: More details on balancing healthcare costs and minimizing tax burden0:54:16: Summary of the CC family income and tax situation in 20210:55:14: How much money can someone withdraw and pay $0 in federal taxes?0:56:27: Takeaway points for saving effectively and minimizing tax obligation0:58:15: Why one should be careful with the investments you place in a taxable brokerage account1:02: 15: Which accounts to place “play money” stock picks.1:05:07: Early retirees and Medicaid1:07:22: The CC family healthcare insurance philosophy1:09:56: Saving, healthcare, and tax considerations for contractors1:15:17: Did we over-save and fall victim to “one more year syndrome?”1:17:37: Discussion on appropriate safe withdrawal rates for a portfolio in retirement1:23:37: Thoughts on life in St. George, UT1:29:30: Saving tips for a large family1:35:57: Personal finance advice to students or recent college grads1:43:09: Recommended books and podcasts

Our guest on the podcast today is author and blogger JL Collins. He blogs about financial and other matters at JLCollinsnh.com. Collins' first book, The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life was published in 2016 and has been an international best-seller. His latest book is How I Lost Money in Real Estate Before It Was Fashionable. That one came out in 2021.BackgroundBioJLCollinsnh.com The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free LifeHow I Lost Money in Real Estate Before It Was Fashionable: A Cautionary TaleInvesting"Stocks--Part XV: Target Retirement Funds, the Simplest Path to Wealth of All," by JL Collins, jlcollinsnh.com, Dec. 18, 2012.“Stocks—Part XIII: The 4% Rule, Withdrawal Rates and How Much Can I Spend Anyway?" by JL Collins, jlcollinsnh.com, Dec. 7, 2012."The Alfred Hitchcock Path to FI," by JL Collins, jlcollinsnh.com, May 5, 2021."The Trinity Study and Portfolio Success Rates," by Wade Pfau, Forbes, Jan. 16, 2018."Stocks—Part XXVII: Why I Don't Like Dollar Cost Averaging," by JL Collins, jlcollinsnh.com, Nov. 12, 2014.Real Estate"Truly Passive Real Estate Investing," by JL Collins, jlcollinsnh.com, Nov. 28, 2018."Why Your House Is a Terrible Investment," by JL Collins, jlcollinsnh.com, May 29, 2013.OtherThe Psychology of Money, by Morgan Housel Why Does the Stock Market Go Up? Everything You Should Have Been Taught About Investing in School, But Weren't, by Brian FeroldiQuit Like a Millionaire: No Gimmicks, Luck, or Trust Fund Required, by Kristy Shen and Bryce LeungRich & Regular blogCashing Out: Win the Wealth Game by Walking Away, by Julien and KierstenTaking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life, by Jordan GrumetEarn & Invest podcast

In this week's podcast, David Harrell and Dave Sekera share insights on dividend stocks in 2022, Amy Arnott and Susan Dziubinski give us tips for retirement savings, Christine Benz tells us how to set a retirement withdrawal rate and then discusses what kinds of retirement portfolios can withstand volatility.

#85: Recently I've really started to notice the impact of inflation on daily spending. Have you?At first, it was just 1-2 things. Then it was a handful. Now it seems like everything is noticeably more expensive. (Assuming it's even in stock in the first place.)Gas. Groceries. Takeout. Toiletries. Utilities. Car maintenance. Healthcare/supplies. Pre-school. Appliances.Everything seems to cost more and you just can't buy as much with the same budget anymore.This got me wondering about how recent macroeconomic changes over the last 6 months might impact retirement safe withdrawal rates and asset allocations.The macro changes I'm referring to are: Inflation at a 40-year high. Stock valuations doubling since their pandemic lows. Interest rates that are scheduled to increase a minimum of 3 times this year.In these times, what should investors and retirees be doing to defend their portfolio values and retirement security?This week, I asked my friend Karsten Jeske (aka “Big ERN”) to help us make sense of all that is going on right now in terms of macro trends…and what it all means for safe withdrawal rates and asset allocation. We had a wide-ranging, nearly 2-hour(!) discussion full of insights and tips that you won't want to miss.We discuss:Major recent macroeconomic changes that (early) retirees may want to factor into their retirement planningWhat new safe withdrawal rate % retirees should consider right nowWhether investors should potentially update their asset allocation given current macro trendsWhether he believes asset prices are overvalued right nowAlternative assets (like cryptocurrencies) and their merits / concernsHow much cash he believes is advisable to hold right nowDo you plan to make changes to your asset allocation or safe withdrawal rate in light of recent macroeconomic changes? Let me know by leaving a comment!Don't miss an episode, hit that subscribe button...If you liked this episode,  subscribe so you don't miss any upcoming episodes!Apple PodcastsOvercastSpotifyI need your help, please leave a listener review :)If you liked this episode, would you leave a quick review on Apple Podcasts? It'd mean the world to me and your review also helps others find my podcast, too!Links mentioned in this episode:Karsten's Safe Withdrawal Rate SeriesKarsten's Google Sheet DIY Withdrawal Rate ToolboxKarsten's post on Preferred StocksThe shockingly un-simple math behind safe withdrawal rates (HYW035)How to use a bond tent to reduce sequence of returns risk (HYW068)Does the “yield shield” protect against sequence risk? (HYW069)Is rental real estate a safer type of “yield shield”? (HYW070)Schedule a 1:1 consult with meHYW Facebook community Intro/Outro: Old Bossa by Twin Musicom.

Our guest on the podcast today is William Bengen. Bill has been a prolific researcher of retirement planning matters over his career, and he pioneered the exploration of safe withdrawal rates with his groundbreaking 1994 research that gave birth to what's now called the 4% rule. Bill is the former owner of Bengen Financial Services, an independent Registered Investment Advisor that he launched in 1989, after his family sold the soda-bottling business that he had helped manage. He received his Bachelor of Science degree in aeronautics and astronautics from MIT. Bill retired from his financial planning practice in 2013 but continues to conduct research on retirement planning and withdrawal rates. We're excited to have him here today.BackgroundBioIn-Retirement Withdrawal Rates and Asset Allocation“The Originator of ‘the 4% Rule' Thinks It's Off the Mark. He Says It Now Could Be Up to 4.5%,” by Neal Templin, barrons.com, Jan. 23, 2021.“The Planner's Toolkit for Managing Retirement Withdrawal Plans,” by William Bengen, financialplanningassociation.org, April 2021.“Resolving the Paradox--Is the Safe Withdrawal Rate Sometimes Too Safe?” by Michael Kitces, kitces.com, May 2008.“Bill Bengen Revisits the 4% Rule Using Schiller's CAPE Ratio, Michael Kitces's Research,” by Bill Bengen, fa-mag.com, Dec. 17, 2020.“Can We Raise Our Safe Withdrawal Rate When Inflation Is Low?” earlyretirementnow.com, Oct. 26, 2020.“Economic Outlook: Still Rising,” by Preston Caldwell, Morningstar.com, Oct. 3, 2021.“Jonathon Guyton: What the Crisis Means for Retirement Planning,” The Long View Podcast, Morningstar.com, June 17, 2020.“Determining Withdrawal Rates Using Historical Data,” by William Bengen, retailinvestor.org.“The Rules of Retirement Spending Are Changing,” by Anne Tergesen, wsj.com, Nov. 26, 2021.“Choosing the Highest Safe Withdrawal Rate at Retirement,” by William Bengen, fa-mag.com, Oct. 1, 2020.

Do you remember when William Bengen proclaimed 4% as a safe withdrawal rate? Well, Morningstar is now saying that 3.3% in the new safe withdrawal rate. When it comes to safe withdrawal rates, Dean Barber and Bud Kasper believe that there shouldn't be a standard for everyone. It should depend on an individual's financial plan. Learn more from Dean and Bud about safe withdrawal rates and how they factor into financial plans. Find any of the resources mentioned on this episode here: https://barberfinancialgroup.com/safe-withdrawal-rates?utm_source=soundcloud&utm_medium=awms&utm_campaign=safe-withdrawal-rates

In this Barry-Barry-nice episode, we address an email from "Mandy" about her transition to retirement.  We discuss minimizing the taxes with long-term capital gains rates, a proposed NTSX-based portfolio, preferred shares funds and how to think about setting your personal withdrawal rate in a flexible way that matches your actual expenses.Links:  NTSX-Based Portfolio Analyses:  Backtest Portfolio Asset Allocation (portfoliovisualizer.com)Article re Preferred Shares Funds:   Preferred Stock ETFs: Taking A Closer Look At PFFD, PFFR, PSK | Seeking AlphaPFFV Fund Page:  Variable Rate Preferred ETF (globalxetfs.com)Risk Parity Radio YouTube Channel:  Risk Parity Radio - YouTubeSupport the show (https://www.riskparityradio.com/support)

Consideration of retirement income and how RMDs figure in

In this week’s podcast, David Blanchett explains the importance of flexibility concerning retirement withdrawal rates, Christine Benz talks about how a Biden tax proposal could change how investment gains are taxed for some, Russ Kinnel discusses how some funds in Morningstar’s new world large-stock value category have benefitted from a recent change, and we share a high-quality company in the world of powersports that’s considered a bargain.

When closing in on retirement, we all want to make sure that we can live on the amount of money that we have saved/invested at that time. One of the biggest determining factors in not outliving your money is the idea of the withdrawal rate. We have to be reasonable with the percentage of our total assets that we choose to live off of in retirement. Too much, and your nest egg could start moving in the wrong direction, and it may become harder to make your money last for the long haul. Today's discussion of the withdrawal rate will help you to make the best decisions possible and understand how this one metric can swing your retirement lifestyle one way or the other. We will discuss: 1. What a withdrawal rate is 2. The importance of investment returns when setting a withdrawal rate 3. How the amount of our nest egg impacts our withdrawal rate choice   Begin your path to financial freedom today: https://www.youtube.com/channel/UCjyCApAbHBN0Jtw5bAehbRg?sub_confirmation=1   Don't forget to like, subscribe, and leave comments below as I would love your feedback. Be sure to check out my website (www.mnowithdylan.com) where you can get more information on my financial coaching services and more, the podcast of these shows if you are more of a listener than a watcher, and follow the show on any social media outlet (FB, Twitter, & Instagram) @mnowithdylan (Money's No Object with Dylan Howell) [All links in description]. Tune in tomorrow as I talk about investing in bonds in your retirement accounts and if that will benefit you over the long-term or not. Don't forget to check-in every weekday (Monday-Friday) for new videos which will be uploaded each day at 6 a.m. CDT. Thank you, guys, for tuning into this episode of Money's No Object. I'm Dylan Howell. God Bless!   Website: https://www.mnowithdylan.com/   Financial Coaching Information: https://www.mnowithdylan.com/workwithdylan/   Facebook: https://www.facebook.com/mnowithdylan/   Instagram Page: https://www.instagram.com/mnowithdylan/   Twitter: https://twitter.com/mnowithdylan     (Please keep in mind that I am not a financial advisor. I create these videos for educational purposes only. You and only you are responsible for the investment decisions that you make.)

For the first part of today’s discussion, we are joined by Don Coletti from The Central Bank of Canada. He is here to talk about their upcoming recommendation for a monetary policy framework for the next five years which is incorporating public feedback into its development through the survey, Lets Talk Inflation. From there, we touch on some favourite books, Starbucks’s stored value card liabilities, the benefits of keeping inheritance in a separate account, new standards for financial planners and advisors proposed by the FSRA, and why SoftBank did not pile into call options and cause the rally in tech as the previous headlines suggested. Heading into the meat of the episode next, Ben shares some findings from a model he built inspired by a program written by one of this show’s listeners that tests historical safe withdrawal rates for factor loaded portfolios. Ben gets into a series of papers that speak to the diversification benefit of adding factors in this section too. He wraps up the discussion with a spanner in the works though, which looks at this question through the lens of time-series momentum rather than cross-sectional momentum. Here, he considers trend following as another type of diversification that has shown favourable impacts on portfolio returns in the data that exists. As usual, we wrap up with our bad advice of the week, hearing Cameron relate the bizarre ‘findings’ of a Forbes article claiming that active management beats passive investing in the face of piles of data to the contrary!   Key Points From This Episode: Updates: An upcoming guest, great reviews of this show, and the brilliant discussions thread. [0:00:23.0] Introducing Don Coletti to talk about The Bank of Canada’s outreach programme. [0:04:52.0] Alternative approaches to monetary policy the Bank of Canada is considering. [0:07:19.0] Thoughts on the US Federal Reserve’s change to average inflation targeting. [0:11:43.0] How open the Bank of Canada is to making a change. [0:13:14.0] Why the Bank of Canada is placing more emphasis on engaging with the public as part of their renewal. [0:14:35.0] Why questions about large scale asset purchases and forward guidance were included in the survey. [0:17:00.0] The response rate so far to the Bank of Canada’s Let’s Talk Inflation survey. [0:18:59.0] Favourite books and series, and Starbucks’s stored value card liabilities. [0:21:50.0] The benefits of keeping inheritance in a separate account. [0:26:24.0] Standards for financial planners and advisors the FSRA is proposing. [0:28:20.0] Why SoftBank was not piling into call options and responsible for the rally in tech. [0:31:43.0] Ben’s remodelling of a listener’s code that tests historical safe withdrawal rates for factor loaded portfolios. [0:34:40.0] Safe withdrawal rates for different stock indexes according to Ben’s model. [0:37:15.0] A paper looking at the interaction between factors historically and the results this produced. [0:47:52.0] Findings of a paper looking at the five factors through business cycles. [0:56:57.0] Papers exploring whether a factor can be cheap and therefore have a higher extended premium. [1:00:41.0] The shadow time-series momentum casts on this; the impact of trend following on safe withdrawal rates. [1:02:46.0] Bad advice of the week: Active management beats the stock market. [1:15:51.0]

#36: Last week, we dove headlong into the wonky but uber-crucial topic of retirement safe withdrawal rates.My conversation with Karsten Jeske, PhD – a former professor, Fed economist, quantitative finance researcher, and early retiree – focused last week on sequence of returns risk and how to estimate your safe withdrawal rate in early retirement.Our conversation was so action-packed that I had to break it up into two episodes, so this week we continue our discussion and focus on how to mitigate sequence of returns risk during early retirement.We discuss:How to adjust your withdrawal rate and rebalance your portfolio in response to market conditionsHow to critique the common advice that the returns risk in the first 10 years of retirement determine success or failure in all retirementWhy sequence of returns risk is a “zero sum game” between retirees vs. savers, and why investing strategies for these two groups should therefore inversely mirror each otherConcrete actions investors can take, during their accumulation phase and during retirement, to reduce sequence of returns riskHow early retirees can use rental real estate to reduce sequence of returns riskWhat is the lowest historical safe withdrawal rate that entirely eliminated sequence of returns riskHow coronavirus might impact your safe withdrawal analysis and early retirement prospectsWhat actions do you plan to take to fortify your safe withdrawal rate? What other questions about safe withdrawal rates and sequence of returns risk do you have? Let me know by leaving a comment when you’re done.Don't miss an episode, hit that subscribe button...If you liked this episode, be sure to subscribe so you don’t miss any upcoming episodes!Apple PodcastsSpotifyGoogle PodcastsStitcherI need your help, please leave a listener review :)If you liked this episode, would you please leave a quick review on Apple Podcasts? It’d mean the world to me and your review also helps others find my podcast, too!Links mentioned in this episode:Early Retirement Now Safe Withdrawal Rate SeriesHYW private Facebook community Intro/Outro: Old Bossa by Twin Musicom.

#35: When it comes to early retirement the most important (and difficult) thing you have to grasp is your safe withdrawal rate.FIRE bloggers rave about “the shockingly simple math behind early retirement,” but they almost never talk about the shockingly un-simple math behind safe withdrawal rates.So this week, I invited Karsten Jeske, PhD – a former professor, Fed economist, quantitative finance researcher, and early retiree – to the podcast to share insight on how to estimate your safe withdrawal rate in retirement.This is the most important financial planning concept early retirees must grasp to stay retired and guarantee they never have to go back to a j-o-b.What you’ll learn:The fatal flaw of the “4% rule” and why you might easily run out of money in retirement if you follow it blindlyThe importance of analyzing the conditional probability of failure based on the actual year you retireWhy sequence of returns risk and safe withdrawals rates are inextricably linkedWhy the business cycle in the year you retire is crucial to your safe withdrawal analysis, plus how to use the Shiller CAPE ratio to estimate your safe withdrawal rateHow Social Security factors into your safe withdrawal analysisWhy sequence of returns risk is front-loaded for early retirees but back-loaded for wage earnersHave you analyzed your safe withdrawal rate? Do you think it is more or less than 4%? 3%? Let me know by leaving a comment when you’re done.Don't miss an episode, hit that subscribe button...If you liked this episode, be sure to subscribe so you don’t miss any upcoming episodes!Apple PodcastsSpotifyGoogle PodcastsStitcherI need your help, please leave a listener review :)If you liked this episode, would you please leave a quick review on Apple Podcasts? It’d mean the world to me and your review also helps others find my podcast, too!Links mentioned in this episode:Early Retirement Now Safe Withdrawal Rate SeriesTrinity Study (4% rule)HYW private Facebook communityIntro/Outro: Old Bossa by Twin Musicom.

Darrow Kirkpatrick of Can I Retire Yet shares three wildcards for boomer retirement. Episode 1147: Three Wildcards for Boomer Retirement by Darrow Kirkpatrick of Can I Retire Yet on Safe Withdrawal Rates Darrow Kirkpatrick is the founder of CanIRetireYet.com. He began serious investing in his mid-30s and retired at age 50. He's not a dot com millionaire and didn't become financially independent by flipping real estate or trading hot stocks. He did it the traditional way: hard work, frugality, prudent investing, and patience. When it comes to personal finance, his top priorities are simplicity, reliability, and safety. Now his mission is to help others become financially independent as he did. More recently, Chris Mamula has been managing the blog and he's a frequent writer on the site. Chris used principles of traditional retirement planning, combined with creative lifestyle design, to retire from a career as a physical therapist at age 41. After poor experiences with the financial industry early in his professional life, he educated himself on investing and tax planning. Now he draws on his experience to write about wealth building, DIY investing, financial planning, early retirement, and lifestyle design. The original post is located here: https://www.caniretireyet.com/three-wildcards-for-boomer-retirement/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group If you are ready for the best WiFi ever, you can get it today from NETGEAR and never worry about WiFi again. Check out Orbi WiFi 6 at NetGear.com/bestWiFi. Learn more about your ad choices. Visit megaphone.fm/adchoices

Darrow Kirkpatrick of Can I Retire Yet shares three wildcards for boomer retirement. Episode 1147: Three Wildcards for Boomer Retirement by Darrow Kirkpatrick of Can I Retire Yet on Safe Withdrawal Rates Darrow Kirkpatrick is the founder of CanIRetireYet.com. He began serious investing in his mid-30s and retired at age 50. He's not a dot com millionaire and didn't become financially independent by flipping real estate or trading hot stocks. He did it the traditional way: hard work, frugality, prudent investing, and patience. When it comes to personal finance, his top priorities are simplicity, reliability, and safety. Now his mission is to help others become financially independent as he did. More recently, Chris Mamula has been managing the blog and he's a frequent writer on the site. Chris used principles of traditional retirement planning, combined with creative lifestyle design, to retire from a career as a physical therapist at age 41. After poor experiences with the financial industry early in his professional life, he educated himself on investing and tax planning. Now he draws on his experience to write about wealth building, DIY investing, financial planning, early retirement, and lifestyle design. The original post is located here: https://www.caniretireyet.com/three-wildcards-for-boomer-retirement/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group If you are ready for the best WiFi ever, you can get it today from NETGEAR and never worry about WiFi again. Check out Orbi WiFi 6 at NetGear.com/bestWiFi. Learn more about your ad choices. Visit megaphone.fm/adchoices

Darrow Kirkpatrick of Can I Retire Yet shares three wildcards for boomer retirement. Episode 1147: Three Wildcards for Boomer Retirement by Darrow Kirkpatrick of Can I Retire Yet on Safe Withdrawal Rates Darrow Kirkpatrick is the founder of CanIRetireYet.com. He began serious investing in his mid-30s and retired at age 50. He's not a dot com millionaire and didn't become financially independent by flipping real estate or trading hot stocks. He did it the traditional way: hard work, frugality, prudent investing, and patience. When it comes to personal finance, his top priorities are simplicity, reliability, and safety. Now his mission is to help others become financially independent as he did. More recently, Chris Mamula has been managing the blog and he's a frequent writer on the site. Chris used principles of traditional retirement planning, combined with creative lifestyle design, to retire from a career as a physical therapist at age 41. After poor experiences with the financial industry early in his professional life, he educated himself on investing and tax planning. Now he draws on his experience to write about wealth building, DIY investing, financial planning, early retirement, and lifestyle design. The original post is located here: https://www.caniretireyet.com/three-wildcards-for-boomer-retirement/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group If you are ready for the best WiFi ever, you can get it today from NETGEAR and never worry about WiFi again. Check out Orbi WiFi 6 at NetGear.com/bestWiFi. --- Support this podcast: https://anchor.fm/optimal-finance-daily/support

Darrow Kirkpatrick of Can I Retire Yet shares three wildcards for boomer retirement. Episode 1147: Three Wildcards for Boomer Retirement by Darrow Kirkpatrick of Can I Retire Yet on Safe Withdrawal Rates Darrow Kirkpatrick is the founder of CanIRetireYet.com. He began serious investing in his mid-30s and retired at age 50. He's not a dot com millionaire and didn't become financially independent by flipping real estate or trading hot stocks. He did it the traditional way: hard work, frugality, prudent investing, and patience. When it comes to personal finance, his top priorities are simplicity, reliability, and safety. Now his mission is to help others become financially independent as he did. More recently, Chris Mamula has been managing the blog and he's a frequent writer on the site. Chris used principles of traditional retirement planning, combined with creative lifestyle design, to retire from a career as a physical therapist at age 41. After poor experiences with the financial industry early in his professional life, he educated himself on investing and tax planning. Now he draws on his experience to write about wealth building, DIY investing, financial planning, early retirement, and lifestyle design. The original post is located here: https://www.caniretireyet.com/three-wildcards-for-boomer-retirement/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group If you are ready for the best WiFi ever, you can get it today from NETGEAR and never worry about WiFi again. Check out Orbi WiFi 6 at NetGear.com/bestWiFi.

Cynthia Meyer with Financial Finesse shares if you can save too much for retirement. Episode 982: Can You Save Too Much For Retirement? by Cynthia Meyer of Financial Finesse on Retiring Withdrawal Rates After years in the financial services industry, Liz Davidson became disgusted with how many people were being sold financial products and services that were not in their best interest. She decided there had to be a better way to provide people from all walks of life with truly unbiased financial guidance--designed to line their pockets, not their financial advisor's. This is the story of Financial Finesse and how they give employees and employers unbiased financial wellness as an employee benefit. They help your employees maximize their compensation and benefits by making better financial decisions. You become a partner in their financial security and reap the benefits of a financially healthy workforce. They've helped hundreds of thousands of employees change their lives. The original post is located here: https://www.financialfinesse.com/2016/05/09/can-you-save-too-much-for-retirement/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts Learn more about your ad choices. Visit megaphone.fm/adchoices

Cynthia Meyer with Financial Finesse shares if you can save too much for retirement. Episode 982: Can You Save Too Much For Retirement? by Cynthia Meyer of Financial Finesse on Retiring Withdrawal Rates After years in the financial services industry, Liz Davidson became disgusted with how many people were being sold financial products and services that were not in their best interest. She decided there had to be a better way to provide people from all walks of life with truly unbiased financial guidance--designed to line their pockets, not their financial advisor's. This is the story of Financial Finesse and how they give employees and employers unbiased financial wellness as an employee benefit. They help your employees maximize their compensation and benefits by making better financial decisions. You become a partner in their financial security and reap the benefits of a financially healthy workforce. They've helped hundreds of thousands of employees change their lives. The original post is located here: https://www.financialfinesse.com/2016/05/09/can-you-save-too-much-for-retirement/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts Learn more about your ad choices. Visit megaphone.fm/adchoices

Cynthia Meyer with Financial Finesse shares if you can save too much for retirement. Episode 982: Can You Save Too Much For Retirement? by Cynthia Meyer of Financial Finesse on Retiring Withdrawal Rates After years in the financial services industry, Liz Davidson became disgusted with how many people were being sold financial products and services that were not in their best interest. She decided there had to be a better way to provide people from all walks of life with truly unbiased financial guidance--designed to line their pockets, not their financial advisor’s. This is the story of Financial Finesse and how they give employees and employers unbiased financial wellness as an employee benefit. They help your employees maximize their compensation and benefits by making better financial decisions. You become a partner in their financial security and reap the benefits of a financially healthy workforce. They’ve helped hundreds of thousands of employees change their lives. The original post is located here: https://www.financialfinesse.com/2016/05/09/can-you-save-too-much-for-retirement/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts --- Support this podcast: https://anchor.fm/optimal-finance-daily/support

Cynthia Meyer with Financial Finesse shares if you can save too much for retirement. Episode 982: Can You Save Too Much For Retirement? by Cynthia Meyer of Financial Finesse on Retiring Withdrawal Rates After years in the financial services industry, Liz Davidson became disgusted with how many people were being sold financial products and services that were not in their best interest. She decided there had to be a better way to provide people from all walks of life with truly unbiased financial guidance--designed to line their pockets, not their financial advisor's. This is the story of Financial Finesse and how they give employees and employers unbiased financial wellness as an employee benefit. They help your employees maximize their compensation and benefits by making better financial decisions. You become a partner in their financial security and reap the benefits of a financially healthy workforce. They've helped hundreds of thousands of employees change their lives. The original post is located here: https://www.financialfinesse.com/2016/05/09/can-you-save-too-much-for-retirement/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts

ESI of ESI Money shares three steps to determine if you have enough to retire.    Episode 977: Three Steps to Determine if You Have Enough to Retire by ESI of ESI Money on Safe Withdrawal Rates for Retirement   ESI Money is written by "ESI", a 50-something retiree. The site is basically a list of what's allowed him to become financially independent and how you can implement those successes in your life. His philosophy is simple and focuses on doing three simple things to achieve financial independence: earn, save, invest. There's a bit more to it than that, of course, but if you can concentrate on these three areas, they will get you at least 90% of the way there.    The original post is located here: https://esimoney.com/three-steps-determine-enough-retire/   Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts Fundrise is the future of real estate investing. Visit fundrise.com/ofd to have your first 3 months of fees waived. Learn more about your ad choices. Visit megaphone.fm/adchoices

ESI of ESI Money shares three steps to determine if you have enough to retire.    Episode 977: Three Steps to Determine if You Have Enough to Retire by ESI of ESI Money on Safe Withdrawal Rates for Retirement   ESI Money is written by "ESI", a 50-something retiree. The site is basically a list of what's allowed him to become financially independent and how you can implement those successes in your life. His philosophy is simple and focuses on doing three simple things to achieve financial independence: earn, save, invest. There's a bit more to it than that, of course, but if you can concentrate on these three areas, they will get you at least 90% of the way there.    The original post is located here: https://esimoney.com/three-steps-determine-enough-retire/   Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts Fundrise is the future of real estate investing. Visit fundrise.com/ofd to have your first 3 months of fees waived. Learn more about your ad choices. Visit megaphone.fm/adchoices

ESI of ESI Money shares three steps to determine if you have enough to retire. Episode 977: Three Steps to Determine if You Have Enough to Retire by ESI of ESI Money on Safe Withdrawal Rates for Retirement ESI Money is written by "ESI", a 50-something retiree. The site is basically a list of what's allowed him to become financially independent and how you can implement those successes in your life. His philosophy is simple and focuses on doing three simple things to achieve financial independence: earn, save, invest. There's a bit more to it than that, of course, but if you can concentrate on these three areas, they will get you at least 90% of the way there. The original post is located here: https://esimoney.com/three-steps-determine-enough-retire/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts Fundrise is the future of real estate investing. Visit fundrise.com/ofd to have your first 3 months of fees waived. --- Support this podcast: https://anchor.fm/optimal-finance-daily/support

ESI of ESI Money shares three steps to determine if you have enough to retire.    Episode 977: Three Steps to Determine if You Have Enough to Retire by ESI of ESI Money on Safe Withdrawal Rates for Retirement   ESI Money is written by "ESI", a 50-something retiree. The site is basically a list of what's allowed him to become financially independent and how you can implement those successes in your life. His philosophy is simple and focuses on doing three simple things to achieve financial independence: earn, save, invest. There's a bit more to it than that, of course, but if you can concentrate on these three areas, they will get you at least 90% of the way there.    The original post is located here: https://esimoney.com/three-steps-determine-enough-retire/   Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts Fundrise is the future of real estate investing. Visit fundrise.com/ofd to have your first 3 months of fees waived.

How long will my ARF Income last? This week we continue our analysis of how we can actually go about drawing and maximising our pension and ARF incomes when we reach the age where we start to 'spend' instead of 'accumulate' our money. For me at least this is the fun bit for us. We don't have pensions because we want a pension, we have pensions because we want what it can potentially give us. Ultimately what it will hopefully give each and every one of us is financial independence and choice when we get to that stage of life. Unfortunately this is the bit that doesn't get very well covered in media and education. What we tend to read and hear about is 'the pension' or 'the ARF' (the products people are trying to sell us!) - we rarely hear about the finer details, and the details that will be the most significant when we get to that stage. I aim to arm you with the ideas and knowledge now so that you can achieve tangible results when you get there yourself and you are drawing an income from your ARF or other pension funds. We will be looking at two core aspect to Retirement Income Planning; Withdrawal Rates, and Dynamic Spending Strategies. First up are Withdrawal Rates. Paddy Delaney

In this episode, Ben Lavine and our guest Justin Sibears will discuss an article published by Justin in August 2017 titled “Impact of High Equity Valuations on Safe Retirement Withdrawal Rates.” They will focus on how a common retirement income strategy adopted by many financial advisors, the so-called 4% systematic withdrawal approach, is at risk of not meeting retirement income goals assuming a more muted outlook for U.S. stock and bond returns.

We discuss early retirement, how much money can you withdrawal to live on for the rest of your life, and a bunch of other stuff in 5 minutes!

On this week's show, The Wise Investor Group delved into safe retirement withdrawal rates with a discussion of the 4% Rule, its history, how safe it is and recent criticism based on current market valuations. Additionally, they discussed the impacts of investment fees, time horizon and asset allocation on the determination of a safe withdrawal rate. Join The Wise Investor Group each week as they provide current market commentary and delve into timely investment topics. To reach Matt Anderson, call 571-203-1600. We manage investments for our clients. We'd be happy to help you plan your investment goals.

Can investors spend more than the traditional 4% safe withdrawal rate in their 60s and 70s with the idea they are likely to spend less later in life? David Blanchett is on the cutting edge of this and many other financial issues. David provides a fresh look at the 4% safe withdrawal rate and has significantly different conclusions than Bill Bengen, the best known safe withdrawal expert in the world, who also appeared on The Lange Money Hour. This is a great show and very worth your time, especially if you are in your sixties or seventies. TOPICS COVERED: Guest Introduction: P.J. DiNuzzo, The Safe Withdrawal Rate, A Change in the Safe Withdrawal Rate?, How Long Can You Expect Your Money to Last?, Lump Sum of Annuity, The Best Asset Allocation, Diversification

Episode 85 - Are Safe Withdrawal Rates Really Safe? with Todd R. Tresidder - TOPICS COVERED: Introduction of Guest – Todd R. Tresidder; Previous Research On Safe Withdrawal Rates; The Older You Are, The Less You Spend; Avoid Equity Risk If You Have A Ten Or Fifteen-Year Timeframe; Factors To Consider With Fifteen to Thirty-Year Timeframe; The 1.8% Safe Withdrawal Rate

We discuss retirement planning for the middle class. We learn about the increased need to focus on the expense side as opposed to the income side.

An examination of expert thinking about the percentage of portfolio savings that can be spent annually during retirement without depleting the portfolio. We learn how much can be withdrawn for a sustainable withdrawal rate.

In this November 2010 episode of The Lange Money Hour, James Lange and Bill Bengen discuss safe withdrawal rates, and how much you can safely spend. Their topics include;What is a safe withdrawal rateDifferent Withdrawal rates for Different Life ExpectancyAnd many other discussion points.

Digital money is already a key battleground in finance-- with big tech, banks, and processors all vying to become a gateway into the platform-based economy.   Today's Stocks & Topics: Joe Davis - Vanguard's Global Chief Economist, Universities With Best Returns On Your Money, Mortgage Rates, Retail Sales, Withdrawal Rates, F - Ford Motor Co., 401k Holders in America, Utilities, NEE - NextEra Energy Inc., FCAU - Fiat Chrysler Automobiles N.V., Semiconductor Sector, GLD - SPDR Gold Shares, FDX - FedEx Corp., Consumer Sentiment.   Plus: Key Benchmark Numbers and Market Comments for: Gold, Oil, Gasoline, Treasury Yields.   TRIVIA QUESTION: "What is the little known FAMILY connection between Walgreens and one of its legendary competitors?Support this podcast at — https://redcircle.com/investtalk-investment-in-stock-market-financial-planning/donations