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How Much Should I Withdraw from my Retirement Accounts Once I Retire?
A general rule-of-thumb is to withdraw no more than 4% of your retirement savings per year.
Since your retirement money has to last you for the rest of your life (and in most cases, your spouse’s), it’s extremely important to carefully calculate how much you can withdraw each year without risking running out of money. Retirees should avoid withdrawing more than 4% of your total retirement assets in any given year, and that’s assuming that your assets are invested for growth over time (with some equity exposure).
Most financial advisors have the ability to run a Monte Carlo Simulation which tests the sustainability of your withdrawal rates against your level of assets and hypothetical market fluctuations. If possible, it also makes sense to avoid making withdrawals in down years, so as not to put too much downward pressure on your portfolio’s value.
Bear in mind also that the government requires you to start withdrawing money from your IRA at age 70½.
When are My IRA Withdrawals Penalty Free?
Can I Make Early Withdrawals From My 401(k)?
What is Blockchain Technology?
Blockchain technology is a decentralized network structure used to obtain consensus on changes to a shared ledger
Why do ICOs Matter to Ethereum and Bitcoin?
ICOs can help the market and developers test the waters for new concepts using blockchain technology
What are Current Assets?
Current Assets are items on a balance sheet that are either cash or are going to be cash in the near future
What are Accounting Controls?
Accounting controls are meant to ensure that the numbers being put onto the books are accurate
What is Cash Budget?
Budgeting is the act of planning accounts for the future. A cash budget plans out the expected cash flow of a business
What is Revenue?
Revenue is a word describing any cash flowing into a business as a result of goods and services rendered
What is currency risk?
Currency risk is the chance that exchange rates will change unfavorably at inopportune times
What Does Market Risk Premium mean?
Market Risk Premium refers to the expected return on a risk asset, minus the risk-free rate
What is Margin?
The act of “going on margin” means borrowing money from the custodian of your account, in order to purchase...
Channel Up (Bullish)
A Channel Up pattern shows a clearly defined uptrend and describes the behavior of the price contained between upward sloping parallel lines.