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Investing Blog Roundup: You Only Get One Retirement

This week, Mike Zwecher, author of Retirement Portfolios: Theory, Construction and Management (which I haven’t yet had the chance to read), wrote a brief guest post for Wade Pfau’s blog that I particularly enjoyed:

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  1. Thanks Mike! Mike Z. doesn’t have his own blog, so I was glad to have a chance to host his post.

    One of the big ideas I got from him is that retirement plans should work by construction. It isn’t enough that they would have worked historically. This means he is not a big fan of the 4% rule.

  2. I’m of a similar opinion. My personal plan is to use inflation adjusted lifetime annuities (including Social Security) to ensure a basic level of income before I allocate any of my retirement portfolio to riskier asset classes.

    That said, I still think the 4% rule is useful in one way — as a rough sort of guideline for planning. That is, I think it’s actually more useful for people in the accumulation stage than for people in the distribution stage.

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