Retirement drawdown strategies8/2/2023 ![]() ![]() A strict application of the 4 percent rule, where you stick to the programmed withdrawal amounts and ignore investment returns, often results in depleting assets in poor investment climates. A flexible drawdown strategy leads to better simulated outcomes.This is a good argument for working part-time in your early retirement years to enable modest withdrawals from savings while you're still able to work. Modest withdrawals early in retirement provide a better chance of success over the retirement lifespan. The first five to 10 years of retirement have a significant impact on long-term success.Events beyond an individual's control play a big role in determining if a particular strategy is viable. ![]() The success of a particular strategy depends significantly on investment returns that have historically been very erratic.
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