3 Smart Alternatives to the 4% Rule (No Initial Safe Withdrawal Rate Required) скачать в хорошем качестве

3 Smart Alternatives to the 4% Rule (No Initial Safe Withdrawal Rate Required)

One of the challenges of the 4% Rule is what your initial safe withdrawal rate should be. While the name of the rule suggests one should start with 4%, there are countless reasons why that start point may not be right for you. For example, you may retiree early, you may not use the same asset allocation the rule was based on, you may have concerns about future stock market returns, inflation or both. Enter withdrawal strategies that don't require you to use 4% or any other initial safe withdrawal rate. In this video we'll look at three such strategies: 1. Variable Withdrawal Percentage 2. Spend Safely in Retirement Strategy 3. Chance of Success Strategy Resources mentioned in the video FICalc: https://ficalc.app/ Empower: https://go.robberger.com/empower/yt-3... Boldin: https://go.robberger.com/boldin/yt-3-... VWP Article & Spreadsheet: https://www.bogleheads.org/wiki/Varia... Spend Safely in Retirement Article: https://robberger.com/spend-safely-in... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm... Financial tools I use: I track all of my investments, performance, fees, and asset allocation with Empower. It's Free: https://go.robberger.com/empower/yt- I use Monarch Money to manage our budget: https://go.robberger.com/monarch/yt- My retirement plan comes from Boldin, the most robust retirement planner available at a reasonable cost: https://go.robberger.com/boldin/yt- I used Capitalize for my last 401(k) rollover. They did all of the work, and it's Free: https://go.robberger.com/capitalize/yt- My Book (Retire Before Mom and Dad): https://amzn.to/4d9qbhA #retirement #investing #robberger 0:00 - Intro 1:10 - Variable Withdrawal Percentage 8:21 - Spend Safely in Retirement Strategy 13:47 - Chance of Success Strategy 15:10 - FiCalc 17:42 - Empower 20:33 - Boldin ABOUT ME While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. I've since sold my websites, bought them back, and started a new website and this YouTube channel. I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE) LET'S CONNECT Youtube:    / @rob_berger   Facebook:   / financialfreedomguy   Twitter:   / robert_a_berger   DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions. AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.