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Fringe Benefit Group
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Greenline Wealth Management
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The Impact of Decreasing Retirement Spending on Safe Withdrawal Rates
Michael Kitces in Nerd's Eye View Feb. 22, 2017 "The conventional method for evaluating safe withdrawal rates assumes that retirees maintain a stable standard of living through retirement in real (inflation-adjusted) dollars.... [C]onstant real spending is not particularly realistic for most retirees. Instead, various studies are finding that real spending actually declines throughout retirement, by as much as 1% to 2% per year. And compounded throughout retirement, this discrepancy between standard industry assumptions and actual retiree behavior may be underestimating the safe withdrawal rate." |
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