Retirement Decumulation – Spending It Down
Withdrawal phase (for near-retirees)
This 8-part series provides comprehensive coverage of Sequence Of Returns Risk. Topics include Sequence Of Returns Risk, Dynamic Spending Rules, Required Minimum Distributions, Annuities Qlac Spia, Roth Conversion Ladders In Retirement, Social Security Breakeven, Part Time Work In Retirement, Long Term Care Insurance.
Articles in this series
Sequence of Returns Risk: 2000 vs. 2020 Retiree
Sequence of Returns Risk: 2000 vs. 2020 Retiree ================================================ Two people retire on the same day with identical portfolios—$1,000,000 each, invested 60% in stocks...
Dynamic Spending Rules: Guardrails and Buckets
Dynamic Spending Rules: Guardrails and Buckets =============================================== The 4% rule is a starting point for thinking about retirement withdrawals, not an operational plan....
Required Minimum Distributions (RMDs): The Forced Withdrawal
Required Minimum Distributions (RMDs): The Forced Withdrawal ============================================================= Every dollar in a traditional IRA, 401(k), 403(b), or similar pre-tax...
Annuities for the Middle Class: QLAC vs. SPIA
Annuities for the Middle Class: QLAC vs. SPIA ============================================= Annuities occupy an uncomfortable space in retirement planning advice. Insurance agents love them;...
Roth Conversion Ladders in Retirement
Roth Conversion Ladders in Retirement ======================================= The conventional advice about Roth conversions focuses on the accumulation phase—convert while you're in a lower...
Social Security Breakeven: Claim at 62 vs. 70
Social Security Breakeven: Claim at 62 vs. 70 ============================================= Social Security claiming is the largest financial decision most retirees make that receives the least...
Part-Time Work in Retirement: Earnings Limits
Part-Time Work in Retirement: Earnings Limits ============================================= The boundary between working life and retirement has blurred. The image of a hard stop at age 65—full...
Long-Term Care Insurance: Self-Insure or Buy?
Long-Term Care Insurance: Self-Insure or Buy? ============================================ The long-term care decision is the one most retirees avoid until it becomes urgent—which is precisely the...