In Retirement: What Matters

Rekenthaler, John
May 2001
Journal of Financial Planning;May2001, Vol. 14 Issue 5, p42
Academic Journal
This article focuses on investing during the distribution phase of retirement. The most important decision to the retiree is the amount of certainty that is demanded. The investor who demands a very high level of certainty in retirement must keep a sharply lower level of income. If the investor's desire for surety is too great, it may be wiser for him to purchase a fixed annuity rather than to pursue an overly cautious withdrawal strategy. Next in importance comes the performance of the market. The timing of security returns has a greater effect than changes in the average rate. Higher market volatility is almost as damaging as lowering market returns. It was found that flexible spending plan appear unlikely to make a large difference in retirement income projections.


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