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 […]
In earlier posts I’ve covered how much it takes to retire, the safe withdrawal rate (SWR), and one method of increasing the safe withdrawal rate. Today I wanted to cover the method I use to increase my SWR significantly without taking on any more risk. Sounds exciting huh? Well, maybe […]
It must be that time of the year again. Retirement hysteria time. Usually in the new year I start seeing a slew of articles on how your retirement is at risk, how you cannot possibly retire now, and the theme for the last few years – how high stock market […]
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 in this area. We are now getting close to completing […]
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 retirement assets? And obviously, all these questions are critical. But […]
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 in retirement actually grows by less than inflation over time. In this post I want to show you how using a more realistic sending model […]
Sometimes it pays to go back to basics. With retirement planning it’s no different. The common, top down approach with retirement planning starts with total net worth and then uses a safe withdrawal rate (SWR), most commonly 4%, to figure out how much one can spend per year in retirement […]
Over the past year or so I’ve received many comments from readers that it is a bit difficult to find items on the blog, especially for new readers. The search function, categories, and tags are meant to help this but they don’t do a good job of providing an overview […]
Happy Holidays! Just wanted to drop a quick post with some great links and thoughts for the end of the year. But first I wanted to give a big thank you to all my readers. As I approach my 8th year of writing this blog I have a lot to […]
Time for another one of those yearly updates. In this post I’ll update the data for the worst times in history to retire by adding 2014 data to the 4 worst retirement portfolios in history. See here for last year’s update. The worst time to retire since 1929 turns out […]
This post has nothing to do with asset prices, valuation, or timing the market as the title may have led you to believe. It has to do with investor psychology and behavior. Over the years I’ve wondered if certain types of people would be happier if they didn’t invest in anything […]