Extending Retirement Payouts by Optimizing the Sequence of Withdrawals

Spitzer, John J.; Singh, Sandeep
April 2006
Journal of Financial Planning;Apr2006, Vol. 19 Issue 4, p52
Academic Journal
The article discusses how financial planners can help their clients extend retirement payouts by optimizing the sequence of withdrawals. The life-cycle approach to investment requires financial advisors to strategize for post-retirement life, since their clients will no longer be accumulating increasing amounts of wealth. The article addresses the question of whether or not the order in which retirement sub-portfolio funds are withdrawn makes a difference in how long a client's total portfolio lasts.


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