Category: How-To Videos
Tue, Jul 16, 2019
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.
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.
Tue, May 22, 2018
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.
Mon, Dec 11, 2017
In this video, I illustrate the impact of scaling up/down income withdrawal from a portfolio at different phases of retirement.
Fri, Dec 8, 2017
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....
Mon, Nov 20, 2017
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.
Wed, Aug 9, 2017
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!
Sun, Jul 30, 2017
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...
Tue, Jun 27, 2017
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.
Tue, Jun 20, 2017
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.
Mon, Jun 19, 2017
This video walks you through how to create a new client scenario of Timeline, the sustainable withdrawal rate app.