Rethinking Safe Withdrawal Rates

Curious about safe withdrawal rates in retirement? In this episode, we delve into their evolution, misconceptions, and practical applications for a financially secure retirement.

• (00:00) - Introduction and Overview
• (01:11) - The 4% Rule and Its Origins
• (06:58) - Customizing Retirement Plans
• (10:16) - Budgeting Approaches for Retirement
• (17:30) - Sequence of Returns Risk
• (20:58) - Exploring the Guardrails Approach
• (26:06) - Planning for Longevity and Withdrawal Rates
• (30:52) - Dynamic Asset Allocation and Income Ladders
• (38:42) - Case Study: Spending Strategies in Retirement

Links & resources from this episode:

• Visit our website: https://makingretirementmakesense.com
• William P. Bengen book: https://a.co/d/b1d78sr

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