8: The Holy Grail of Retirement

Caleb and Riley are on a quest for The Holy Grail of retirement - that is, the ability to maximize spending in a way that is sustainable without any uncomfortable changes, no matter how long you live.  

Learn more about:

• Accumulation vs Deaccumulation
• How does inflation and future tax rates factor in to your retirement planning
• Sequence of Return Risk and what volatile market performances can do to your long term investment performance
• Longevity Risk and trying to account for how long your retirement years may be

Memorable Quotes

• “Retirement income planning is one of the nastiest, hardest problems we face in financial planning“
• “The holy grail of retirement is you spend the maximum amount early in retirement, without the fear of running out of money, without having to make any unexpected changes to how much you spend”
• “The biggest financial problem retirement is this: how much money should we be withdrawing, on a monthly basis, from our portfolio once we stop working? How quick or how slow and by how much should we be drawing down our money and spending it?"

• The 2017 Retirement Confidence Survey

Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts