Each of the elements will be presented in the same sequence as the original drawdown strategy, which means we’ll start with asset allocation.Īsset Allocation: Increase Stock Exposureįrom the original drawdown strategy, I mentioned we were planning on increasing our stock exposure. I’ll also summarize our original strategy, then provide an update with actions taken to date. Today, we’ll revisit our original retirement drawdown strategy and analyze how it’s worked since our retirement in 2018.įor consistency, I’ll present each of the charts from the original drawdown strategy, with updates showing our current status as of 12/31/21 for each. It’s a huge shift in your investment strategy, and it’s not something you should approach without a plan. Revisiting Our Retirement Drawdown Strategyĭeveloping a strategy for managing your transition from accumulation to drawdown is critical. I hope you enjoy reading it and trust you’ll learn some things that you can apply to your situation. I enjoyed writing this post and updating the original charts from our drawdown strategy. What changes should we make going forward?.In addition, we’ll review our strategy to see what changes we should consider now that we’re 3.5 years into retirement. Just like in school, an A is excellent and an F is a failure. Below, I’ll review each section of our original drawdown strategy as well as give our performance a grade. In today’s post, a look back at how that strategy has actually worked over the past 4.5 years. In this post, originally from The Retirement Manifesto, we examine with the author how well his carefully constructed drawdown strategy fared after three years of retirement, and plan for the future as well.Ī year before I retired, I wrote Our Retirement Investment Drawdown Strategy as our plan for how we were going to manage the transition from Accumulation Phase to Drawdown Stage in retirement. How much do you withdraw? From what account do you take it? How do you pay only as much tax as you need to, without leaving a tip? But when the retirement rubber meets the road, there are a lot of mechanics to figuring out how you’ll actually draw off of those savings that have hopefully compounded over time.
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