4% Retirement Spending Rule vs 5%; Actual Results. Fee-Only Financial Advisor in Denver, CO

Описание: A 5% spending rate in retirement may result in running out of money, especially if you have bad timing and retire right before a recession. The 4% spending rule holds up in this test but after 23 years nearly half of your retirement nest egg is gone. Watching your nest egg get smaller as you get older is not a good feeling. In this video I show how an alternative spending strategy to the 4% and 5% strategies.

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HighPass Asset Management is a Fee-Only Fiduciary Financial Advisor in Denver, CO.

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00:00 Intro
00:11 5 Pct Spending
02:38 4 Pct Spending
04:28 3.5 Pct Spending

This video is for educational and illustrative purposes and is not financial advice. Your broker or advisor will charge you fees or commissions to make investments and therefore your returns will be less than indexes. For example, if you invest in the S&P 500 ETF, SPY, you will pay a fee to the company managing the ETF, State Street Global Advisors. Your return on the S&P 500 ETF, SPY, will be less than the S&P 500 Index TR because of the fee paid to State Street Global Advisors. Consult your advisor or broker for a detailed list of their fees or commissions before you invest. Investing involves risk and you can lose money.