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Guidelines for Withdrawal Rates and Portfolio Safety During Retirement

For individuals drawing on retirement funds, a 4% withdrawal rate is generally recommended to result in only a small chance of the portfolio running out of money. In the October 2007 Journal of Financial Planning Spitzer, Strieter and Singh simulate thousands of 30-year periods to assess the overall probability of running out of funds.

They find that a standard 50/50 split between stocks and bonds can allow for a 4.4% withdrawal rate with just a 10% chance of depleting funds. Withdrawal rates of up to 6% can be supported with stock allocations of 75% or more.

For more information, see all articles on: Asset Allocation, FInancial Planning, Investing in Stocks, Investing in bonds, Investment Returns, Personal Finance, Portfolio Management, Research, Risk Management

See also:
  • Investment Constraints
  • Return Maximization in Immunized Bond Portfolios
  • How Many Stocks are Needed for Diversification?
  • Risk and Return in Strategic Asset Allocation
  • The Effect of Domestic Interest Rates on the Value of Foreign Bonds
    • Technical Analysis Explained : The Successful Investor's Guide to Spotting Investment Trends and Turning Points

    The Intelligent Investor: The Classic Text on Value Investing

    Financial Statement Analysis: A Practitioner's Guide, 3rd Edition

    Managing Investment Portfolios: A Dynamic Process (CFA Institute Investment Series)

    This entry was posted on Thursday, July 10th, 2008 at 7:22 am and is filed under Asset Allocation, FInancial Planning, Investing in Stocks, Investing in bonds, Investment Returns, Personal Finance, Portfolio Management, Research, Risk Management. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

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