The Retirement Mindset
From Accumulation to Income: For decades, retirement planning has centered mainly around one primary question:“How much do I need to save?” But as retirement approaches a different—more important—question begins to take shape:“How much income can I truly depend on—no matter what the market does?” This attitude shift isn’t philosophical, it’s based in reality. Research from […]
Sequence-of-Returns Risk in Retirement
Why the Order of Returns Matters Imagine two retirees, Bob and Sam. Both start with $1,000,000.Both withdraw $40,000 per year.Both earn an average return of 7% over 25 years. On paper, their outcomes should be identical. But they’re not. Bob retired before Sam did, under very different market conditions: Despite receiving the same average return, […]
The 4% Rule — Helpful Guideline or Hidden Risk?
A practical way to think about retirement income If you did everything right—saved consistently, invested wisely, built up a solid portfolio—isn’t it normal to ask to know much you could safely spend from your savings? That’s the question the 4% rule was designed to answer. And for decades, it’s been one of the most widely […]