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A 6% Withdrawal Rate: Crazy or Possible?

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Manage episode 418570962 series 1098902
Indhold leveret af Wes Moss. Alt podcastindhold inklusive episoder, grafik og podcastbeskrivelser uploades og leveres direkte af Wes Moss eller deres podcastplatformspartner. Hvis du mener, at nogen bruger dit ophavsretligt beskyttede værk uden din tilladelse, kan du følge processen beskrevet her https://da.player.fm/legal.

Running out of money may be retirement’s most frightening concern, so it’s not surprising that people want to know how much of their nest egg they can safely spend. The 4% rule, identified by William Bengen, states that retirees who draw down 4% of their portfolio in the first year of retirement, adjusting every year for inflation, will likely see their money outlive them, assuming the portfolio has a 50-75% allocation to stocks. But what about people who want or need to spend more than that? Is 6% too high?

On today’s episode, Wes breaks down the pros and cons and estimates the probability of success for a 6% withdrawal rate rather than 4%. With careful consideration and planning, he looks for a way to help listeners max out spending without running out of money.

Learn more about your ad choices. Visit megaphone.fm/adchoices

  continue reading

376 episoder

Artwork
iconDel
 
Manage episode 418570962 series 1098902
Indhold leveret af Wes Moss. Alt podcastindhold inklusive episoder, grafik og podcastbeskrivelser uploades og leveres direkte af Wes Moss eller deres podcastplatformspartner. Hvis du mener, at nogen bruger dit ophavsretligt beskyttede værk uden din tilladelse, kan du følge processen beskrevet her https://da.player.fm/legal.

Running out of money may be retirement’s most frightening concern, so it’s not surprising that people want to know how much of their nest egg they can safely spend. The 4% rule, identified by William Bengen, states that retirees who draw down 4% of their portfolio in the first year of retirement, adjusting every year for inflation, will likely see their money outlive them, assuming the portfolio has a 50-75% allocation to stocks. But what about people who want or need to spend more than that? Is 6% too high?

On today’s episode, Wes breaks down the pros and cons and estimates the probability of success for a 6% withdrawal rate rather than 4%. With careful consideration and planning, he looks for a way to help listeners max out spending without running out of money.

Learn more about your ad choices. Visit megaphone.fm/adchoices

  continue reading

376 episoder

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