Category Decumulation

Spending and risk tolerance in retirement: How much can I spend in retirement?

April 24, 2018 · by · in Annuities, Decumulation, Decumulation, Withdrawal Strategy, Retirement Planning, Withdrawal Strategy · 2 Comments

In a nutshell The risk of outliving retirement savings is a persistent worry of those approaching or in retirement. A tool was built to help answer the “How much you can spend each year without running out of money?” question based on givens (age, assets, income/pension, risk-free rate and tax rate), maximum stock allocation (based […]

Stocks in retirement? Asset allocation considerations in retirement

May 27, 2015 · by · in Asset Allocation & Portfolio Management, Benchmark, Decumulation, Estate, etc, ETF, Inflation, Risk · 17 Comments

In a nutshell How much stock allocation can I have, need to have and should I have in my retirement? Asset allocation considerations in retirement are determined by your personal: goals/objectives, overall financial picture (assets/income and fixed/discretionary expenses), risk tolerance (ability/willingness/need to take risk), required returns, withdrawal rates, taxes and capital market expectations. Management of […]

Annuity/Pension vs. Lump-sum- Part 5: Putting it all together

September 22, 2014 · by · in Annuities, Decumulation, Decumulation, Withdrawal Strategy, Insurance, Nortel Pension, Withdrawal Strategy · 2 Comments

In a nutshell Putting it altogether, you are now ready to explore your own personal situation for the annuity/pension vs. lump sum decision. If you are reading this Part 5 blog post of the final one of this series, then you have already ploughed through the first four parts: Annuity/Pension vs. Lump-Sum- Part 1: Making […]

Vanguard GLWB vs. other decumulation strategies

March 2, 2012 · by · in Decumulation, GMWB, Insurance, Products, Retirement Finance, Withdrawal Strategy · 1 Comment

Vanguard’s GLWB: Credit to Vanguard for delivering on the promise (Originally posted November 7, 2011 and re-hosted in March 2012) In a nutshell Vanguard’s GLWB finally meets the promise of the value inherent in GLWB/GMWB-like strategies. We can only hope that Vanguard will also offer this product eventually in Canada. Vanguard’s GLWB is a great compromise […]