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More Rethinking 4% SWR
Old 03-04-2014, 12:59 PM   #1
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More Rethinking 4% SWR

Here's an article once again rethinking the 4% SWR. With the right Financial Advisor (JP Morgan) you can withdraw more.

Now, J.P. Morgan is entering the fray with an alternative to the 4% rule of its own. The good news: You’re likely to be able to withdraw more than 4% of your account’s balance each year. The bad news: The method is fairly complicated to implement, so you will need the help of a financial adviser (which is good news for J.P. Morgan, which employs a network of them.)

The bank’s “Dynamic Withdrawal Strategy” adjusts both withdrawal rates and a portfolio’s investment allocations annually, in response to changes in both the markets and a retiree’s personal circumstances.

Rethinking the 4% retirement spending rule - Encore - MarketWatch

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Old 03-04-2014, 01:02 PM   #2
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Same original source as this FWIW Different approach to SWR

No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57

Target AA: 45% equity funds / 30% bond funds / 25% cash - radically changed Nov 2018
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
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Old 03-04-2014, 01:04 PM   #3
Recycles dryer sheets
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Thanks...Mods, go ahead and lock this one / point to the other.
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