Tag Archives: FCM method

Big upside from flexible spending in retirement

Back in 2010 I posted on an alternative retirement withdrawal approach that allows for higher safe withdrawal rates (SWR). Back then I didn’t have a detailed model of this approach to provide much more insight. Now I do. Its very worthwhile revisiting this strategy and discuss the great benefits it can have to retirement plans. This alternative approach relies on having some flexibility, on the downside, in retirement spending. Lets take a look in detail on how this works, its benefits, and how you can apply it to your retirement plans. This alternative withdrawal method is called the floor-ceiling model … Continue reading

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