Safe Withdrawal Showdown: 3.3% vs 4.6% vs 5.5% (Probability, Guarantees, or History?) скачать в хорошем качестве

Safe Withdrawal Showdown: 3.3% vs 4.6% vs 5.5% (Probability, Guarantees, or History?)

00:00 - Intro 00:41 - 3 Methods 01:16 - Method 1 – Morningstar 04:31 - Example 1 05:12 - Method 2 – Wade Pfau 08:42 - Example 2 09:24 - Floor Bucket 11:45 - Method 3 – Bill Bengen (Rule of 4%) 14:22 - Example 3 15:38 - The Comparison 17:40 - The Real Difference 18:05 - Which One Is Right for You? 19:10 - Quick Practicals 20:36 - Two Reminders 20:55 - Closing Takeaways 21:52 - Bloopers Unlock your safe withdrawal rate with a head-to-head of Morningstar’s 3.3%–3.7% Monte Carlo, Wade Pfau’s ~4.6% TIPS ladder, and Bill Bengen’s ~4.7%–5.5% 4%-rule update—so you can pick the right retirement income strategy for 2025. We break down probability-based planning, guaranteed CPI-linked cash flows, and historical worst-case backtests, with a $1,000,000 example and clear pros/cons for sequence risk, inflation, and longevity. Perfect for DIY investors optimizing 401(k)/IRA withdrawals, guardrails, and asset allocation across stocks, bonds, and TIPS. By the end, you’ll know which lens—Probability, Guarantees, or History—fits your plan and how to implement it step-by-step. Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here:    / erintalksmoney   Thanks for watching, I appreciate you!