TITLE

Baking a Withdrawal Plan 'Layer Cake' for Your Retirement Clients

AUTHOR(S)
Bengen, William P.
PUB. DATE
August 2006
SOURCE
Journal of Financial Planning;Aug2006, Vol. 19 Issue 8, p44
SOURCE TYPE
Academic Journal
DOC. TYPE
Article
ABSTRACT
The article presents advice on the yearly percentage rate of retirement withdrawals for a variety of risk levels. The base recommended withdrawal rate is 4.15%, but is adjusted for those expecting a shorter life span, those desiring more aggressive retirement investments, and those who wish to leave a legacy. Rebalancing intervals, asset allocation and success rates are also all discussed. Several models are presented of retirement spending plans, and helping clents make sound decisions regarding their retirement is discussed. INSET: Executive Summary.
ACCESSION #
22065621

 

Related Articles

  • Baking a Withdrawal Plan 'Layer Cake' for Your Retirement Clients. Bengen, William P. // Journal of Financial Planning;Aug2006, Vol. 19 Issue 8, p44 

    The article presents advice on the yearly percentage rate of retirement withdrawals for a variety of risk levels. The base recommended withdrawal rate is 4.15%, but is adjusted for those expecting a shorter life span, those desiring more aggressive retirement investments, and those who wish to...

  • Stocks and Bonds: What to Put In and What to Leave Out of Individual Retirement Accounts and Qualified Plans. Anderson, Kenneth E.; Murphy, Daniel P. // Journal of Financial Service Professionals;Sep2014, Vol. 68 Issue 5, p39 

    When funding an individual retirement account or qualified plan (herein referred to as qualified accounts), an individual might face the issue of how best to allocate stock and bond investments between qualified accounts versus making investments outside such vehicles through taxable...

  • Implications of principal, risk, and returns sharing across savings vehicles. Reichenstein, William // Financial Services Review;Spring2007, Vol. 16 Issue 1, p1 

    This study illustrates that the choice of savings vehicles [e.g., taxable account, Roth IRA, or tax-deferred accounts such as a 401(k)] affects the portions of principal effectively owned by, returns received by, and risk borne by individual investors. This study examines the implications of...

  • Good planning ideas that might increase your taxes.  // Hudson Valley Business Journal;9/24/2007, Vol. 18 Issue 39, p9 

    The article provides several good planning ideas to increase the amount of tax paid. The client should sell a protion of their stock portfolios, pay the tax and realigning their asset allocations. The customer should sell the municipal bonds and be involved in the taxable bonds. The client...

  • FINDING THE RIGHT FINANCIAL FIT. Brown, Carmen; Scott, Matthew S. // Black Enterprise;May2004, Vol. 34 Issue 10, p37 

    Focuses on investment portfolio management of human resource professional Doreen M. Tucker. Details of her financial counseling with financial adviser Jaime Wright; Discussion on asset allocation; Information on her individual retirement accounts and life insurance policy.

  • Overseas wraps will move in to fill pension gap. Scott, Tracey // Money Marketing;4/9/2009, p20 

    The article reports on the potential of overseas wrap providers to take advantage of the pension gap and lack of long-term savings in Great Britain. According to Paul McMahon, managing director of Axa Distribution Services, these factors of pension underfunding makes the British market...

  • Product placement.  // Dow Theory Forecasts;6/2/2014, Vol. 70 Issue 22, p1 

    The article discusses several factors to consider in placing investments in the most appropriate accounts including income taxes, traditional individual retirement account (IRA) versus Roth IRA, and trading versus buy and hold. It suggests investors to begin withdrawing funds from a traditional...

  • Optimal Time Varying Asset Allocation with Actuarial Life Expectancies in Retirement. Irlam, Gordon // International Research Journal of Applied Finance;Apr2012, Vol. 3 Issue 4, p463 

    We consider the problem of optimizing asset allocation as a function of time for a retirement portfolio. We find a +0.5% improvement in safe withdrawal rates for optimal time varying asset allocation relative to the best fixed asset allocation. We also explore the use of actuarial longevity data...

  • Time to check up on your investments.  // Consumer Reports;Sep2009, Vol. 74 Issue 9, p13 

    The article presents advice on handling 401(K) investments. The article discusses losses that may have occurred due to the financial crisis in the United States and addresses the emotional aspects of investment loss. The article talks about how to determine how money is allocated and makes...

Share

Read the Article

Courtesy of VIRGINIA BEACH PUBLIC LIBRARY AND SYSTEM

Sorry, but this item is not currently available from your library.

Try another library?
Sign out of this library

Other Topics