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Distributing 4% from a traditional retirement portfolio is too risky, says Nobel laureate William Sharpe. He suggests investing in a series of zero-coupon bonds for a 4.46% withdrawal rate. Or why not give clients a choice: risk-free distributions with bonds or a variable rate based on a market portfolio?
Could an all-bond portfolio withstand a 9% distribution rate? What about a 60/40 portfolio? Or a multi-asset portfolio? We evaluate three types of portfolios using distribution rates that run from miserly to very generous. See which portfolio lasts.
When it comes to the distribution of retirement assets, where those assets are located in the portfolio can have a direct bearing on how much income your client receives. First-quarter reviews are a good time to assess whether investments are properly situated to minimize future tax bills.
We compare an investment portfolio with a variable annuity featuring guaranteed minimum withdrawal benefits for life. Market history tells us that one option is significantly more capital efficient over any time horizon, asset allocation, or alpha-producing money manager.
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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