White Coat Investor Podcast

WCI #436: Retirement and Decumulation

15 snips
Sep 11, 2025
Explore effective decumulation strategies for retirement, including the 4% rule and personalized withdrawal plans. Discover the balance between enjoying retirement and ensuring financial stability through smart spending approaches. Learn about asset allocation adjustments to combat inflation and minimize risks. Delve into the complexities of withdrawing retirement funds, with tax implications at the forefront. The discussion also covers generational wealth transfer, including strategies to optimize tax outcomes for heirs.
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ADVICE

Choose Your Adviser Role First

  • Decide whether you are a DIYer, validator, or delegator before choosing help with decumulation.
  • Pay accordingly: DIY saves fees, validators pay modest fees, delegators pay full-service advisor costs.
INSIGHT

Retirement Needs Growth And A Realistic Withdrawal

  • Start in the right neighborhood: target ~4% initial withdrawal adjusted for inflation as a guideline.
  • Keep some portfolio growth exposure so withdrawals are sustainable over decades.
INSIGHT

Data Limits Mean Less Precision

  • Historical withdrawal studies rely on limited and imperfect data, so treat precise results skeptically.
  • Embrace uncertainty and avoid overconfidence in exact percentages or allocations.
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