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This is a tale of two time periods: 24 years with high inflation and 24 with low inflation. We examine how various asset classes and two portfolios fared during these two different sets of circumstances.
The longevity of a retirement portfolio is dramatically influenced by the initial withdrawal rate. The commonly cited safe rate of 4% is clearly a cautious guideline—as it should be. But what does history tell us about the range of sustainable withdrawal rates on a portfolio that must last 25 years?
It’s natural to think of investment returns as part of the annual cycle—but it creates a more volatile view of performance than necessary. A slightly longer window yields a less capricious view, and may help clients develop a more stable investing style.
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Social Security and Medicare Workshop
With Elaine Floyd, CFP®
May 12–15, 2025
The Discovery Meeting Workshop: Transform Your Discovery Process
May 19–20, 2025