Now that 2012 is behind us I wanted to update my analysis of the worst times to retire in history. See here for the original post. Armed with my own annual return data base I can now show at lot more detail as to the progress of the portfolios of Read more…
We are living through the greatest test of the 4% safe withdrawal rate in history. Sounds like a big overarching statement but that’s what the data tells me. A little over a year ago I questioned whether or not the year 2000 retiree would be the first to destroy the Read more…
The 4% rule of thumb for retirement savings is under threat. After 10 years of retirement, through the end of 2009, individuals who retired at the beginning of the year 2000 are potentially on a path to run out of money before the end of their 30 year retirement period. Read more…
I haven’t talked about safe withdrawal rates (SWR) in a while. For earlier discussions on what the SWR is on how to use it in retirement see the series of posts here. The SWR basically determines what is the maximum a retiree can withdraw from their portfolio every year and Read more…