Some Thoughts on Safe Withdrawal Rates | Live Q&A

I'll start tonight discussing some of my current thinking on Safe Withdrawal Rates, including the 4% Rule. Then I'll answer your questions.

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Timestamps

0:00 - Welcome to the Financial Freedom Show!
0:32 - Funny story
2:31 - Some Thoughts on Safe Withdrawal Rates
8:12 - Poll
9:18 - Thoughts on Total International ETF's
10:46 - May never receive Social Security in retirement
14:02 - Morningstar chart features
20:21 - Allocate/Withdraw - Assisted Living
25:02 - Vanguard fund for long term in a Roth
28:02 - VTI/VOO
31:38 - V. Wellesley vs S&P 500
40:04 - Why should the withdrawal amount be set at the start of retirement?
43:33 - Why bother with bonds?
44:15 - Coast FI or Barista FI?
46:34 - Compounding 401K
50:30 - Chris Pedersen's "2 Funds for Life"
52:36 - RMD Table II
56:35 - Converting a Bond ETF or a Stock ETF
58:04 - Struggling with the 4% Rule
1:00:27 - Reinvesting Social Security
1:03:05 - SS and Medicare
1:03:45 - Calculating a private pension in asset allocation
1:05:48 - Investing in a 403b and Roth IRA
1:08:10 - Portfolio analyzer's
1:09:20 - Keeping 500K with more than one broker
1:12:26 - Are bond funds holding TIPS laddered?
1:14:45 - An ideal portfolio mix for someone in their 30's
1:18:00 - VTIP in an IRA or Roth?
1:20:31 - Stop receiving income
1:21:36 - 50/50 bond fund split of short term/intermediate treasuries
1:25:06 - Withdrawal approach of 4%
1:32:02 - Announcements
1:33:54 - Financial Freedom


#retirement #investing #robberger

ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.

I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.