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You are here: Home / Archives for spending rates in retirement

460: Should You Be Invested 100% in Stocks Before and During Retirement? A Recent Study Says Yes. 

January 3, 2024 by David Stein · Updated July 9, 2024

The pros and cons of investing your retirement assets 100% in equity, including half in international stocks. Why the 4% spending rule is too aggressive. Topics covered include: Why historical asset class return studies that use only U.S. data are biased How researchers build a broader database to study retirement outcomes and spending rates How a 100% stock portfolio performed compared to balanced portfolios and target date funds Why investors should have half their assets … [Read more...]

Filed Under: Podcast Tagged With: positive skewness, retirement investing, retirement savings, retirement spending, skewness, spending rates in retirement, Spitznagel (Mark), stocks, volatility drag

456 Plus: 4% Rule, TFLO, Personal Inflation Rates, Emerging Latin America, and GIM

November 18, 2023 by David Stein · Updated November 28, 2023

In Plus episode 456, we explore how to apply retirement spending rules when real estate properties will be sold during retirement. We consider the risks of investing in the iShares Floating Rate Treasury ETF (TFLO). We answer a question about the hoopla surrounding Treasury Inflation Protection Securities. Why has David not purchased a dedicated Latin America Emerging Markets Stock ETF. Update on the Templeton Global Income Fund (GIM). … [Read more...]

Filed Under: Money Plus Tagged With: GIM, inflation, Latin America, spending rates in retirement, TFLO, TIPS, Treasury Inflation Protected Securities

326: The New Math of Retirement Spending and Investing

January 6, 2021 by David Stein · Updated October 26, 2022

How should individuals invest and spend in retirement with interest rates so low, stock valuations high, and inflation uncertain. Why retirement managed payout funds and income replacement funds failed. Topics covered include: How managed payout and income replacement funds compare to immediate annuitiesWhy Vanguard and Fidelity changed the objective of their retiree focused income replacement and managed payout fundsHow fixed annuities workHow retirees should combine annuities with … [Read more...]

Filed Under: Podcast Tagged With: annuities, Bengan (William P.), fixed annuities, immediate annuities, income replacement funds, inflation, managed payout funds, mortgage REITs, retirement, retirement investing, retirement spending, retirement withdrawal rates, safety first retirement, Shadow Stats, spending rates in retirement

Investing Rule One: Avoid Ruin

April 24, 2019 by David Stein · Updated October 10, 2023

How reducing exposure to a catastrophic event, such as running out of money during retirement, is a better strategy than trying to accurately predict a catastrophic event. In this episode you’ll learn: How repeated exposures to low probability events can lead to ruin. How bonds have outperformed stocks over long stretches of time . How the success of retirement spending rules depend on the market environment and why a flexible approach to retirement spending makes the most … [Read more...]

Filed Under: Podcast Tagged With: bond market returns, Gell-Man (Murray), McClung (Michael), retirement spending, retirement withdrawal rates, risk management, ruin, spending rates in retirement, stock market returns

243: Do You Have Enough to Retire? FIRE Edition

March 6, 2019 by David Stein · Updated May 26, 2021

What are the key metrics to determine if you have reached financial independence and can retire early. How major stock market losses can derail early retirement plans and what to do about it. Photo by Alicia Cleaver In this episode you’ll learn: What is the FI/RE movement and why is Suze Orman concerned about it.What is the simple formula to determine if you can retire early.How large stock market losses can lead to early retirement ruin and what to do about it. Show Notes Why … [Read more...]

Filed Under: Podcast Tagged With: early retirement, FIRE, Orman (Suze), retirement spending, retirement withdrawal rates, spending rates in retirement

MNY152 Plus: Calculating Spending Rates and Vanguard Life Strategy Funds

April 8, 2017 by David Stein · Updated July 28, 2021

This week April 8, 2017 on Money For the Rest of Us Plus we look at the mechanics of calculating retirement spending rates. We also compared the Vanguard Life Strategy Funds to the model portfolios found on Money For the Rest of Us Plus. … [Read more...]

Filed Under: Uncategorized Tagged With: retirement spending, retirement withdrawal rates, spending rates in retirement, Vanguard

MNY124 Plus: Small Cap Stocks and Retirement Withdrawal Rates

September 17, 2016 by David Stein · Updated April 29, 2021

This week on Money For the Rest of Us Plus we look at the characteristics of small cap stocks and how their presence in a portfolio has impacted historically safe withdrawal rates. We also look at why small cap stocks are not included in the model portfolios. … [Read more...]

Filed Under: Money Plus Tagged With: Bengan (William P.), retirement withdrawal rates, small cap stocks, spending rates in retirement

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