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Beating the market to maximize retirement income

Warning, this is a somewhat geeky technical post! Besides accumulating more wealth by working longer there is one very direct way to increase your income in retirement. Beat the market’s return. Higher returns will lead to higher SWRs (safe withdrawal rates) for the most part. (The other way to increase retirement income is to reduce volatility). Of course, most would say that this is not possible over the long term. The market is efficient etc… Thus, most of the standard retirement asset allocation models that give us the 4% rule are based on a a market index of stocks, usually the SP500 … Continue reading

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