Category Decumulation

Stocks in retirement? Asset allocation considerations in retirement

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

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

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 […]