WITHDRAWAL RATES: BLACKROCK 2016

WITHDRAWAL RATES & BLACKROCK 2016: THINGS YOU NEED TO KNOW

In this episode, John discusses withdrawal rates during retirement. He talks about the probability of your money lasting through retirement.

John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.

In this episode, John will show you:

• How to read BlackRock’s 2016 chart. It shows monthly withdrawal rates for different ratios of stocks to bonds in a portfolio, over different time ranges.
• How to adjust your monthly withdrawal rate. It will depend on your ratio of stocks to bonds to ensure that you have income all the way through retirement:
• In addition, lower withdrawal rates increase the probability that you will make it through a 30-year period.
• But―too low of a withdrawal rate will not allow you to live at your accustomed lifestyle.
• Lastly, you want to find that “sweet spot” that gives you a higher probability of having income over the long haul. All at an acceptable standard of living.

At Smallwood Wealth, we look at portfolios not only on a market volatility-adjusted basis, but also on a tax-adjusted basis. We always want to be focusing on how to reduce tax and how to reduce risk. This is how we can reduce the impact of volatility-adjusted returns.

If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.

We look forward to speaking with you.

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