Episode One - Rethinking Retirement

A recent Barron's article entitled Rethinking Retirement Rules called into question the commonly accepted standard for estimating the maximum withdrawal rate for a prudently managed retirement portfolio (Kapadia, 2018). In our podcast we discuss and challenge the idea that a 4.5% spending rate should be applied consistently over an extended period of time.

In this podcast you will learn:

  • What is the 4% rule and how does it impact retirement?
  • How the maximum portfolio withdrawal rate varies in different market environments
  • What happens if you experience below average returns early in your retirement
  • Why and how to allow for an additional margin of safety to counteract a 'bad luck scenario'

Link: Click Here - FCE Podcast

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