When to Make a Transition to Retirement?

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If you did nothing in terms of adding any more investments and just left your 14x alone, it would be most likely to get you to 25x somewhere between 6 and 9 years. Time-wise, I think you need to be thinking that once you're 5 to 7 years out from retirement, that may be also a good time to look at the transitioning. Another point of consideration as to making a transition would also be when the market has recovered.

In this episode we follow up on Episode 209 with some recent (as in this week) Wade Pfau references that confirm what we said about overly pessimistic SWR assumptions. And then we answer emails from Justin, Drew, Jim and Chris. We discuss REITs and the Risk Parity Chronicles series about them, good sources for information about factor or "smart beta" investing, and questions about transitioning from accumulation to decumulation when you are close to "winning the game."

Links:

Retire With Style Podcast #34: Retire With Style - Episode 34: Even In Volatile Markets, Find Out Why The 4% Rule Distribution May Be Too Low (google.com)

Risk Parity Chronicles REIT Series Conclusion: Post-script to REITs series: How do individual REITs compare? (riskparitychronicles.com)

Rational Reminder Podcast #213: RR #213 - Expected Returns and Factor Investing - YouTube

Rational Reminder Podcast #129: RR #129 - Five Factor Investing with ETFs - YouTube

Resolve Asset Management YouTube Channel: ReSolve Asset Management - YouTube

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