Week ending September 20th, 2019

Four percent annual withdrawals from a defensively positioned portfolio may be a good starting point for spending in retirement, but in reality, such a simple approach will not work for everyone. Collected below are some recent articles exploring the topic of income in retirement. Providers and plan sponsors are innovating in this area, and advisers must keep up with a shifting set of products, regulations and client demands.

Income in Retirement

Consider All Individual Circumstances Before Suggesting 4% Retirement Income Withdrawal

An individual’s investment allocation is a big factor to consider when deciding a proper optimal withdrawal rate of savings in retirement, but there are many other factors to consider as well. Read more >

Rollover Mechanics and the Most Common Mistakes

Besides failing to invest the money within the IRS’s 60-day window—the most common mistake according to the experts—another frequent error impacts those who cash out of their workplace retirement plan. Read more >

A Crash Course in Social Security Maximization

Cost of living increases, claiming age, marital status and work history all complicate Social Security claiming strategies. Read more >

Advisers Should Include Guaranteed Income in Income Strategy Discussions

A study by Greenwald & Associates and CANNEX shows those close to retirement highly value guaranteed income to supplement Social Security, and suggests advisers consistently underestimate clients’ interest. Read more >

401(k) Participants Often Make Ill-Timed Fixed-Income Trades

August brought six above-normal trading days, the highest monthly total since a previous bout of equity market volatility in December 2018. Read more >

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