Category: How-To Videos

How-To Videos
Tue, Jul 16, 2019

Goal Seek for Decumulation

How much money can I take from my portfolio without running out? How long will my portfolio last in retirement? Given my asset allocation, how much would I need to sustain a given level of withdrawal in retirement. Do you frequently get these questions from your clients? We bet.
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How-To Videos -   New Feature
Mon, Jul 2, 2018

Legacy & Sustainable Withdrawal In Retirement Portfolio

It's often said that the ideal retirement is one in which you spend your last penny on your last day on earth. The last cheque you write should be to the undertaker, and it should bounce.
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How-To Videos
Tue, May 22, 2018

Ratcheting Rule: Mitigating the risk of dying with too much money

We spend a lot of time talking about the risk of running out of money in retirement. But one understated risk of spending conservatively in retirement is the risk of dying with too much money! Yes, that's a thing.
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How-To Videos
Mon, Jan 29, 2018

Longevity and Sustainable Withdrawal Rates

Often, withdrawal rate strategies are based on a fixed planning horizon. For example, a 30-year retirement horizon for a 65-year-old client....
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How-To Videos
Mon, Dec 11, 2017

Sustainable Withdrawal for Different Phases Of Retirement

In this video, I illustrate the impact of scaling up/down income withdrawal from a portfolio at different phases of retirement.
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How-To Videos
Fri, Dec 8, 2017

Guyton's inflation adjustment for sustainable withdrawal rate

The assumption under Bengen's rule is that withdrawals are adjusted for inflation throughout retirement, regardless of portfolio performance. One of the rules proposed by financial planner Jonathan Guyton in his 2006 paper in the Journal of Financial Planning is to adjust withdrawals for inflation annually except in the years after a negative portfolio return....
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How-To Videos
Mon, Nov 20, 2017

Sustainable withdrawal rate with cap and collar inflation adjustment

The assumption under Bengen's rule is that withdrawals are adjusted for inflation throughout retirement. This includes periods of double-digit inflation, for instance between 1915-1920 and most of the 1970s.
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How-To Videos
Wed, Aug 9, 2017

Sustainable withdrawal but without adjusting for inflation?

The classical assumption for the sustainable withdrawal rate framework is that withdrawals are adjusted for inflation in £/$ terms, every single year until the retiree depletes their portfolio or dies!
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How-To Videos
Sun, Jul 30, 2017

Actual Income Path For Sustainable Withdrawal Strategies

One important point that's often lost in translation in the discussion about sustainable withdrawal rate is the actual income path that a retiree can expect...
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How-To Videos
Tue, Jul 11, 2017

Portfolio Balance And Sustainable Withdrawal Rate

One aspect of the sustainable withdrawal framework that is often forgotten is the portfolio balance!
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How-To Videos
Tue, Jun 27, 2017

What factors influence sustainable withdrawal rates?

When Bill Bengen originally coined the term 'Safe Withdrawal Rate' in his seminal article in 1994 Journal of Financial Planning, he made some crucial assumptions.
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How-To Videos
Fri, Jun 23, 2017

Adding a new client to Timeline

2mins! That's how long it takes to set up a new client, create the asset allocation, input fees, and produce a withdrawal policy statement on Timeline!
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How-To Videos
Tue, Jun 20, 2017

Illustrating Dynamic Withdrawal Strategies With Timeline

This video walks you through the dynamic withdrawal strategies available on Timeline, the sustainable withdrawal rate app. These withdrawal strategies can be broadly classified into 2 categories; inflation-adjustment and spending strategies.
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How-To Videos
Mon, Jun 19, 2017

A video tour of Timeline, the sustainable withdrawal app

This video walks you through how to create a new client scenario of Timeline, the sustainable withdrawal rate app.
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