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Christine Benz and John Rekenthaler: How Much Can You Safely Spend in Retirement?

The Long View

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Navigating Retirement Withdrawal Strategies

This chapter explores essential research shaping retirement spending approaches, focusing on Bill Bengen's 4% rule and alternative strategies like Jonathan Guyton's guardrails method. It emphasizes the necessity of adapting withdrawal rates to current market conditions and discusses the pitfalls of solely relying on bonds for retirement income. The analysis advocates for a balanced portfolio strategy and examines historical data to derive sustainable withdrawal rates for retirees.

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