Increasing the Safe Withdrawal Rate, Part III
The third general approach to increasing your Safe Withdrawal Rate (SWR) above the recommended 4% is pretty straight forward. It requires that you be flexible in your spending from year to year. In this approach you increase your withdrawal rate when the financial markets are doing well and you reduce your withdrawal rate when the […]
Retirement Income and Portfolio Expenses
For years you have been accumulating funds for your retirement. When your retirement date finally arrives, it is time to withdraw assets to pay for the retirement phase of your life. Developing a Safe Withdrawal Rate (SWR) is the single most important decision you will make regarding your retirement assets. Before getting into SWRs I […]
The 4 Percent Rule
Before discussing real estate investments or retirement portfolio income withdrawal strategies, I need to go over the 4% rule. I have briefly mentioned the 4% rule in previous posts, but in future posts this rule will be central to many topics. It is very important to understand this simple concept.
