Category Archives: Retirement

Future returns and their impact on SWRs

Today I wanted to talk about the forecasting of future returns and more importantly what implications future returns have for SWRs (Safe Withdrawal Rates). As I showed in my last post, the first 10 year period real return in retirement … Continue reading

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When you retire matters a lot more than you think

The starting year of retirement makes a huge difference in the success or failure of a retirement plan. This is the key difference between the accumulation phase of investing and the withdrawal phase of investing. Yet the majority of investing … Continue reading

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Recipe for a happy retirement (2014 edition)

Hard to believe it has been 2 years since I last updated my recipe for a happy retirement. And 2 years before that I had the original post. Every 2 years seems like a nice interval to revisit my thoughts … Continue reading

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A better retirement through quantitative investing

Today I finally get around to doing something I mentioned way back in my first post on quantitative investing. Quant portfolios can help an investor handily beat the market over time and often with even lower risk. If that is … Continue reading

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The flip side of a successful retirement: spending

Most of the ink spilled in talking about retirement is limited to the investment side of the equation. How much do you need for retirement? How much can you withdraw from your portfolio in retirement? How should I invest my … Continue reading

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Understanding modern retirement calculators

In today’s post I want to explain and demonstrate how modern retirement calculators work. There are two basic ways to calculate how much you can safely withdraw from your portfolio in retirement; looking backwards using historical data for past retirees … Continue reading

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The impact of realistic spending on your retirement

In a post last week I showed that for the majority of retirees the standard recommended spending model in retirement does not match reality. Spending ┬áin retirement actually grows by less than inflation over time. In this post I want … Continue reading

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Spending Realities in Retirement

It’s usually worthwhile to question conventional wisdom. At the minimum you usually learn where that wisdom came from. Often you learn the conventional wisdom is not the best approach. This happens to apply rather well to the topic of retirement … Continue reading

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Standing on the edge: diversified portfolios & the modern retiree

What’s the hardest part of the retirement decision? For many its taking the leap of faith that financially what’s worked in the past will continue to work in the future. And often the start of every single year, during those … Continue reading

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Revisiting the worst times to retire in history (2013 update)

Today I wanted to do another yearly update post. This time I’ll refresh the worst times to retire in history with data from 2013 which adds another year in the retirement story of the 5 ‘unluckiest’ retirees in history. See … Continue reading

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