Figuring out how to fund your retirement from your savings has been called the most difficult challenge in personal finance.
How much money should you have in the stock market? How much can you safely withdraw each year? Get it wrong and you could run out of money or live too frugally and leave an unintentionally large bequest to your heirs.
This eBook is here to help. It explains your options and provides you with strategies to get:
- a steady income throughout your retirement
- more income without saving more
- peace of mind that you’re on the right track
Contents
Introduction
- The ground shifts for retirees
- How much income do you need in retirement?
- From accumulation to decumulation: A change of mindset
Conventional approaches to funding your retirement
- Traditional ways to decide on your stock market exposure
- Traditional ways to decide how much you can withdraw
- Pre-determined approaches are risky
Optimization: A new way to a more secure retirement
- Adapt your asset mix to stay on target
- Vary your withdrawals from savings
Conclusion
- A better way to keep your finances on track
