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Wade Pfau: The Retirement Spending Smile

Source: Retirement Spending Smile

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Research Articles

Help me too! I’m really depleting my post-retirement income sources too soon – what corrective measures can be taken?

This article is an expansion of an article, titled: “Help! I’m running the risk of depleting my retirement income sources too soon”, published earlier that investigated the effects of various financial measures to enhance the long-term cash flow prospects for retirees. The same methodology is being followed, but a somewhat more ominous financial position of a retiree is sketched as the baseline case.

Source:  Corrective measures_2.0

 

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The non-quantitative aspects of retirement planning

Research Articles

Help! I’m running the risk of depleting my post-retirement income sources too soon – what corrective measures can be taken?

Consider the scenario where a retiree, say, between the ages of 70 -75, is withdrawing relatively large amounts from her living annuity (ILLA) while her reasonable life expectancy is another 15 – 20 years out. Unless the retiree will receive an unexpected windfall, fantastic investment returns, or manage a drastic reduction in living expenses going forward, it is very likely that the retiree will experience severe cash flow constraints ten years and more from now.

Source: Corrective measures

Research Articles

To RA or TFSA – which one is better, when? (updated version)

An evaluation of investing in a retirement annuity product versus a tax-free savings account – which investment product yields the highest possible value for money considering various marginal income tax rates and investment horizons?

Source: To RA or TFSA

 

 

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Vanguard: Help clients reach their retirement goals with this road map