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Keeping tabs on the economy and your retirement portfolio

No matter what phase of the retirement cycle you’re in, it helps to educate yourself as much as possible about the investment process. Whether you’re a do it yourselfer or work with a team of trusted advisers, you should understand the basics of financial planning, financial products and investment returns. It also helps to have a basic understanding of global economics and keep tabs on the big picture of our …Read More

4% is more of a guideline than a rule

Originally published on Marketwatch.com http://www.marketwatch.com/story/4-is-more-of-a-guideline-than-a-rule-2014-08-26 In my last column I wrote about some considerations retirees should make when calculating how much money they are planning to withdraw from their retirement portfolio. I closed that article with a very brief discussion of the Trinity Study, also known as the 4% rule. The Trinity study was originally done in 1998 and found that by starting your retirement income at a rate of …Read More

4% Rule calculating your retirement withdrawals

There are many factors to consider when deciding how much you should withdraw from your retirement portfolio annually. You need to think about life expectancy, the rate of return on your investments, inflation and your personal goals for your assets in addition to your income needs. In the case of a married couple who retires at age 65, there is a good chance that one of them will live for …Read More