tag:blogger.com,1999:blog-2875915890415125655.post7847467448052702061..comments2023-05-18T10:37:34.608+01:00Comments on <a href="http://www.retirementinvestingtoday.com">Retirement Investing Today</a>: Maximising withdrawal rates in retirementRetirementInvestingTodayhttp://www.blogger.com/profile/03088383743670046657noreply@blogger.comBlogger9125tag:blogger.com,1999:blog-2875915890415125655.post-11547598684050078172016-07-27T19:47:38.029+01:002016-07-27T19:47:38.029+01:00I am pretty up to speed on failure rates now. what...I am pretty up to speed on failure rates now. what i can't recall seeing and what would be very interesting is what happens at the other end of the spectrum, i.e. what vast sums is one left with at the other 4% end etc. etc. some nice graphic to that effect would be very cheery and optimisticThe Rhinohttp://www.thenewrhino.comnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-2852792352831488862016-07-25T07:18:01.054+01:002016-07-25T07:18:01.054+01:00Annuity rates are much lower than self-invested re...Annuity rates are much lower than self-invested returns because the life assurance companies price the risk they are taking on highly as well as needing to cover admin costs and profit. I suspect if you approach them at 43 you'd be so far outside their tables they'd either refuse to quote or apply a crippling premium, as they wouldn't want the business.John Bhttps://www.blogger.com/profile/10530034666593178946noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-61822621609841147242016-07-24T09:42:19.725+01:002016-07-24T09:42:19.725+01:00Could you not approach Mr Market direct, a.k.a. Li...Could you not approach Mr Market direct, a.k.a. Life Assurance companies and request a quotation for an Annuity for your circumstances? I'm sure they wouldn't use the same formula, but it would be an interesting comparison - after all, these guys are reliant on getting these sums right to ensure they generate a profit over the long term. Felice Pazzohttps://www.blogger.com/profile/08702981006236017227noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-13447256562267482572016-07-23T14:46:10.794+01:002016-07-23T14:46:10.794+01:00"Does that imply we are yet again walking int..."Does that imply we are yet again walking into a very poor sequence of returns?"<br /><br />The Swiss 50 year has gone negative?<br /><br />With the increase in the money supply and so much debt in the system, household, leverage to buy shares, pension deficits, etc. return of capital is more the theme than return on capital.<br /><br />Where do you stand on self sufficiency? You have Wandering Starnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-15540142686160641332016-07-23T13:15:47.122+01:002016-07-23T13:15:47.122+01:00(i) "these two variables only explain 55% of...(i) "these two variables only explain 55% of the fluctuations in historical withdrawal rates": beware, that's "explain" in the statistical sense, not in the sense of everyday English.<br /><br />(ii) Of interest?<br />http://forums.moneysavingexpert.com/showthread.php?t=5466114deariemenoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-53300512281642484702016-07-23T13:13:27.721+01:002016-07-23T13:13:27.721+01:00Many thanks for the thoughts Steve. Like you I...Many thanks for the thoughts Steve. Like you I'm planning to live off the natural yield of my portfolio. Right now my portfolio is spinning off a yield of 2.9% which with my WR of 2.5% will enable some reinvestment in the good times and will give some contingency in the bad. I also would find it hard to sell down capital given the energy I've had to expend to build it and so I RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-41440851755497493132016-07-23T13:06:29.959+01:002016-07-23T13:06:29.959+01:00I’m not yet at a stage where I’d call it a “strate...I’m not yet at a stage where I’d call it a “strategy”. I’ve spent the last 5 years moving from “who needs savings?” to “we’d better start saving before retirement!”. This seems a common progression for the self-employed. I’ve now got maybe 5 years before the accumulation switches to decumulation.<br /><br />Two recurring themes of many mainstream retirement planning articles seem inappropriate SteveKhttps://www.blogger.com/profile/07183139019813940162noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-23216261985953834542016-07-23T11:22:23.337+01:002016-07-23T11:22:23.337+01:00Thanks for pointing out the typo Steve. Duly corr...Thanks for pointing out the typo Steve. Duly corrected. Too early on a Saturday for maths.<br /><br />Do you have a view yet on what your withdrawal strategy might look like?RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-59749390578979062472016-07-23T10:31:45.934+01:002016-07-23T10:31:45.934+01:00Thanks. I'm approaching an age where withdrawa...Thanks. I'm approaching an age where withdrawal strategy discussions are becoming increasingly interesting.<br /><br />Shouldn't the UK failure rate in the last section be 22% rather than 32%? Slightly less awful.SteveKhttps://www.blogger.com/profile/07183139019813940162noreply@blogger.com