Mirror, Mirror on the Wall …

Guyton, Jonathan
October 2011
Journal of Financial Planning;Oct2011, Vol. 24 Issue 10, p28
Academic Journal
The article discusses the issue concerning retirement income planning in the U.S. According to research conducted by Sun Life Financial Inc., 52 percent of U.S. workers planned to delay their retirement. It notes the potential fluctuation in the initial withdrawal rate sustainable for 30 or 40 years within a distribution period. It also notes that when clients reduce their real gross withdrawal income by 5-8 percent following years with very low market valuation levels, safe withdrawal rates increases by 0.5-1.0 percent. Moreover, the three income distribution strategies commonly employed by financial planners such as structured systematic withdrawals, time-based segmentation, and essential-versus-discretionary income are explored.


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