How Much Can I Spend in Retirement?: outlet online sale A Guide lowest to Investment-Based Retirement Income Strategies (The Retirement Researcher Guide Series) sale

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Deciding how much to spend from your investment portfolio in retirement is an important complicated task. This book guides you through the process of determining a reasonable spending rate that will strike the balance between enjoying your early retirement years while preserving enough to be comfortable later in retirement.

How much can you spend in retirement? Naturally, this is an essential question for those approaching this important life transition. If you wish to retire one day, you are increasingly responsible for figuring out how to save during your working years and convert your savings into sustainable income for an ever-lengthening number of retirement years. The nature of risk also changes in retirement, as the lifestyle of retirees become more vulnerable to the impacts of market volatility, unknown longevity, and spending shocks. Retirees have one opportunity to build a successful plan. It is not an easy task, but it is manageable and I will explain how to do it.

I walk you through the findings of a large body of financial planning research regarding sustainable spending from investment portfolios in the face of a variety of retirement risks. That body of research tends to begin with the 4 percent rule of thumb for retirement spending. I explain how and why it was developed, what it means, and when it may or may not be appropriate for you. 

I have reservations about the 4 percent rule. It may be too aggressive for current retirees for reasons including increasing longevity, historically low interest rates, high stock market valuations, the impact of the international experience with the 4 percent rule, the need to maintain a rather aggressive asset allocation, and because the 4 percent rule assumes that investors do not pay any fees or otherwise underperform the markets.

Other factors suggest that sustainable spending may be higher. Reasons include that actual retirees may tend to reduce their spending with age, that they build more diversified portfolios than used in the basic research studies, that real-world retirees may be willing to adjust spending for realized portfolio performance, and that some retirees may have the capacity and tolerance to accept higher portfolio failure probabilities because they have other sources of reliable income from outside their portfolios.

Other matters you will learn about is how to analyze a variety of variable spending strategies and how to create a bucketing strategy that uses bonds to support short-term spending needs and uses stocks and other growth assets to support longer-term spending goals.

Retirees need to weigh the consequences between spending too little and spending too much—that is, being too frugal or running out of assets. This book is about implementing what I call the “probability-based” school of thought for retirement planning. It is especially relevant for people who plan to fund their retirements using an investment portfolio and those who are hesitant about using annuities or other insurance products. For those considering annuities, I suggest my book, Safety-First Retirement Planning, which is also in The Retirement Researcher’s Guide Series. For now, we have plenty to discuss about investing for retirement.

How did I come to write this book? After completing my Ph.D. in Economics from Princeton University with a dissertation about Social Security reform, I become an economics professor who studied the pension systems in different countries. Eventually I gravitated toward individual retirement planning and now work with unique job title of "Professor of Retirement Income" and as director of the Retirement Income Certified Professional® designation for financial advisors. This requires me to be agnostic and to search for the best from different retirement income styles.

Review

Wade Pfau''s book is an exhaustive examination of sustainable withdrawals from investment portfolios. Written in lucid prose, and accompanied by copious and illuminating charts and tables, Pfau investigates the topic from every conceivable angle. With a generous nod to the findings of others in the field, Wade provides his own incisive insights to further advance understanding of this vital issue. This is a work which deserves a place in the hands of the layman and the professional alike.
-Bill Bengen, retired financial planner, father of the "4% Rule," and author of Conserving Client Portfolios During Retirement

Wade Pfau is among the most trusted names in personal finance. He''s clear, fair, and bases his advice on solid research. You never have to get trapped by a financial huckster again. Wade''s books and blogs are your reality check. Mine, too!
-Jane Bryant Quinn, personal finance columnist, and author of How to Make Your Money Last: The Indispensable Retirement Guide

Wade is one of the most prominent thought leaders in the retirement income planning industry today. His research and writing are refreshing, engaging, and thorough, and his works are must-reads for financial planners and retirees. This series is sure to become a treasured resource for those interested in better understanding retirement readiness and preparing others for retirement success.
 -David M. Blanchett, PhD, CFP®, CFA, Head of Retirement Research, Morningstar Investment Management LLC

My thought after I finished reading this book was that I had walked up to the mountain top and encountered a guru, a wise, patient man who explained everything I wanted to know (and more) and gave me confidence as I walked down the mountain again - which is exactly right for the retirement drawdown stage. Wade is a wise, patient teacher, with a gift for clear and logical explanation that enables readers to have any question answered in a way that can be applied to themselves.
-Don Ezra, award-winning investment consultant and author, now happily a retired co-chair, global consulting, Russell Investments

Wade Pfau is, in my opinion, today''s leading expert in the field of retirement income planning. This series of books provides readers with valuable information gleaned from his important research and is a must read for those who want to be better prepared for their retirement years.
-Mel Lindauer, Forbes.com columnist and co-author, The Bogleheads'' Guide to Investing and The Bogleheads'' Guide to Retirement Planning.

This book provides an almost encyclopedic coverage of current thinking in retirement income strategies for those who prefer investments to annuities to take care of themselves rather than depend on their children.  Clearly a lot of work has gone into this book.  I have not seen any other on retirement investment that is more comprehensive and evidenced based, including my own.  Full of tables, charts, and statistical insights, it may well become a standard for anyone seeking the coveted Certified Financial Planner designation.  And for current CFP holders, it is a great way to bring yourself up to date with current research.
-Stephen J. Huxley, Ph.D., Chief Investment Strategist at Asset Dedication and co-author of the book, Asset Dedication

A retirement manual deeply examines the theory behind common investment and spending models.

In this book, Pfau (Reverse Mortgages, 2016) is writing for financially savvy readers interested in exploring thereasoning behind models for retirement planning, with a spotlight on strategies driven by spending expectations. Withfrequent references to Monte Carlo simulations and the work of financial adviser William Bengen, Pfau leads readersthrough spending and investment tactics, presenting the many possible outcomes based on known probabilities andassumptions about the economy of the coming decades. The volume delves into the relationship between spending andreturns, demonstrating how each can be adjusted to compensate for changes in the other and for the retiree''s personalgoals and risk tolerance. With graphs illustrating every arrangement discussed, the book makes it clear that readers whoplan to take an active role in managing their retirement funds must have the patience to study all possible scenarios inorder to approach investing knowledgeably. The author is candid about the shortcomings of historical data as a basis forinvestment decisions because of the unusually low interest rates of the present day and the fact that the information isdrawn from a limited number of overlapping periods that disproportionately emphasize the mid-20th century. While thework is focused primarily on the underlying theory, it does spend some time on concrete investment advice, highlightingthe advantages of delaying Social Security payouts and explaining how to build a bond portfolio. The volume will likelybe of greatest relevance to readers who are comfortable with statistical analysis and have the financial expertise toimplement the high-level recommendations in the context of their own economic situations; audiences in search of moredirect tips on retirement planning should look elsewhere. But for those with the necessary background knowledge, Pfauoffers a clear and coherent text ("The argument is that when retirees instead have a front-end bond ladder, they knowthere is time for stocks to recover before they need to be sold"), which should help those intending to actively managetheir retirement funds.

A detailed and well-written guide to retirement planning for those with financial literacy. 

- Kirkus Reviews

About the Author

Wade D. Pfau, Ph.D., CFA, is a Professor of Retirement Income in the Ph.D. program for Financial and Retirement Planning at The American College in Bryn Mawr, PA. He also serves as a Principal and Director for McLean Asset Management and Chief Planning Strategist of software provider inStream Solutions. He holds a doctorate in economics from Princeton University and publishes frequently in a wide variety of academic and practitioner research journals on topics related to retirement income. He hosts the Retirement Researcher website, and is a contributor to Forbes, Advisor Perspectives, Journal of Financial Planning, and an Expert Panelist for the Wall Street Journal. His research has been discussed in outlets including the print editions of The Economist, New York Times, Wall Street Journal, Time, Kiplinger’s, and Money Magazine. He is the author of the books, How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies, and Reverse Mortgages: How to Use Reverse Mortgages to Secure Your Retirement.

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4.4 out of 54.4 out of 5
101 global ratings

Top reviews from the United States

Justus Pendleton
3.0 out of 5 starsVerified Purchase
Good summary of research that devolves into an ad for McLean Asset Management
Reviewed in the United States on November 8, 2017
This is a pretty good "one stop shop" for summaries of much of the current state of the art thinking about Safe Withdrawal Rates. The vast majority of the book is providing summaries of freely available papers. That''s not necessarily a bad thing because not everyone... See more
This is a pretty good "one stop shop" for summaries of much of the current state of the art thinking about Safe Withdrawal Rates. The vast majority of the book is providing summaries of freely available papers. That''s not necessarily a bad thing because not everyone wants to track all the papers down or read them for themselves. But if you HAVE done that...the book is primarily a review rather than bringing anything new to the table.

As a "survey" the book is pretty good. But when it comes to actually answering the question in the title, I think it falls down. To turn it into an action plan you basically need to call McLean Asset Management. Here are some examples of what I mean:

Pfau makes the excellent point that we can''t treat portfolio spending in a vacuum. Things like the amount of a person or Social Security have an impact. Great! How can I apply that to my personal situation? He doesn''t actually provide any details. Just a cursory summary of a journal publication that says

"A risk-tolerant retiree may prefer a withdrawal rate of between 5 and 7 percent with a guaranteed income of $20,000."

Okay...but what if my family has $30,000 in Social Security? A range between 5 and 7 percent seems huge. Did that take into account the low-yields and high-valuations he spent so much time talking about earlier? The reader is left with more questions than answers. (You''re supposed to rely on McLean Asset Management to work through these details.)

Similarly, Pfau introduces the concept of the funded ratio -- which is a great tool -- but doesn''t give the readers any idea of how to calculate it for themselves. (You''re supposed to rely on McLean Asset Management to calculate it for you.)

The penultimate chapter of the book is just an overview of the process of working with one of the financial advisors at McLean Asset Management. For instance, "After you complete the RIO Questionnaire, we will analyze your answers to determine where you stand with respect to various aspects of retirement income planning."

The first seven chapters provide a reasonable summary of various topics but the reader is never provided with the tools necessary to put it all together. The final two chapters are about hiring McLean and why an advisor can add value, which I found disappointing.
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Kathy
3.0 out of 5 starsVerified Purchase
there is an amazing amount of details on retirement planning and execution
Reviewed in the United States on December 16, 2017
I have the Kindle version, which doesn''t work well for me with this book. There are many tables and graphs, but due to the way the book was formatted, the text and graphic are seldom located near each other. As a result, the text describing a table (or graph) is usually a... See more
I have the Kindle version, which doesn''t work well for me with this book. There are many tables and graphs, but due to the way the book was formatted, the text and graphic are seldom located near each other. As a result, the text describing a table (or graph) is usually a few pages from each other -- forcing the reader to constantly switch pages back and forth. This, combined with the books substantial technical and granular detail, make for challenging reading. Despite the Kindle layout, there is an amazing amount of details on retirement planning and execution. I would not consider this a "how to" book on retirement -- more of a compilation of technical research topics related to the subject.
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Mark Lingenfelter
3.0 out of 5 starsVerified Purchase
Excellent review of prior studies but expected more in the end.
Reviewed in the United States on January 29, 2018
Excellent review contained in chapters 4, 5, and 6. Was anticipating and hoping for practical application after chapter 6! Rather verbose/redundant at times but may be helpful if not well versed in the subject. The last chapters serve as advertisements for... See more
Excellent review contained in chapters 4, 5, and 6. Was anticipating and hoping for practical application after chapter 6!
Rather verbose/redundant at times but may be helpful if not well versed in the subject.
The last chapters serve as advertisements for financial management and his company McLean Asset Management. (I did not pay the $495 to complete the RIO Questionnaire suggested at the end.)
(I echo the entire comments by reviewer Justus Pendleton.)
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Camperling
5.0 out of 5 starsVerified Purchase
Outstanding and valuable - but some charts need a different key to enable interpretation. Highly recommend overall.
Reviewed in the United States on October 28, 2017
I am an (early) retired electrical engineer, long time investor, and small business owner. I have been reading Dr. Pfau''s blog posts regularly, and buying issues of the Retirement Management Journal for his contributions. As a layperson with a background in statistics, but... See more
I am an (early) retired electrical engineer, long time investor, and small business owner. I have been reading Dr. Pfau''s blog posts regularly, and buying issues of the Retirement Management Journal for his contributions. As a layperson with a background in statistics, but not a CFA or wealth management adviser, I highly recommend this book, particularly for those 3-6 years away from retiring, who have accumulated a good nest egg, but have questions for how to prepare during their final work years, and how to set up their own financial tools for implementing their spend down strategy. While I won''t expound further on the MANY superlatives in this book, I would like to add two considerations for Dr. Pfau. First - please republish the diagrams 6.16 - 6.19 (at a minimum) because the lines connecting data points, when rendered in this book as vertical tics - do not allow the reader to tell which is which. In 6.19, which is the true meat of the book, one cannot tell the difference between the last 5 rules shown in the key. Thank goodness the commentary is good, and the tables that follow allow one to (mostly) decipher these critical graphs. As a purchaser of the book, it would be nice to receive these graphs republished with a different key format - hint hint. Secondly, I would like to see more on time segmentation, in the final chapters, for those that wish to use it only upon entering retirement for a period of 5 years or so, before converting to a probabilistic total returns approach.The book assumes that time segmentation continues for the life of the investor via bond ladders or other techniques. I cannot be the only reader (in my case, 5 years younger than my husband, who still works), that wants a set-aside of cash or short-term securities to weather healthcare costs prior to my Medicare eligibility, while concurrently holding off of pensions or Social Security, so as to raise their payouts. I hope Wade will continue to address this bridge period within his model analyses and expound upon it further. BOTTOM LINE - buy this wonderful book, and thank you, Dr. Pfau, for a book with such detail explanation of the underlying model formulations, assumptions, and permutation of outputs.
25 people found this helpful
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Tg4mlded
5.0 out of 5 starsVerified Purchase
Safety First + Probability Based = Integrated Retirement Income Plan
Reviewed in the United States on December 21, 2019
I recently retired and was overwhelmed by the complexity of efficiently converting assets into reliable income streams for a 30 or 40 year retirement. Further, in general, I have little faith in the financial services industry when it comes to smart, efficient, impartial... See more
I recently retired and was overwhelmed by the complexity of efficiently converting assets into reliable income streams for a 30 or 40 year retirement. Further, in general, I have little faith in the financial services industry when it comes to smart, efficient, impartial and fairly priced retirement income planning and execution.

Dr. Wade Phau caught my attention. He is a recognized expert in the emerging field of Retirement Income Planning. Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement is his latest installment in his Retirement Researcher Guide series.

In general, retirement income planning can be divided into 2 camps: Probability Based, and Safety First.

Dr. Pfau did a detailed and impartial dive into the Probability Based approach in his previous installment: How Much Can I Spend in Retirement?: A Guide to Investment-Based Retirement Income Strategies.

In Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement, Dr. Pfau delivers a detailed and impartial analysis of the Safety First approach. It is not a slam-dunk read. It is very detailed, full of spot-on discussion and guidance specific to the role of annuities (and other insurance products) in retirement income planning. Prior to reading, I generally dismissed insurance products as inappropriate for my retirement income plan. However, with an open mind, I tackled the book with the intention of taking time to truly understand the concepts. It took me a few weeks to truly digest the material, but the book has opened my eyes to the roles that high quality and properly priced insurance products could play in a complete retirement income plan.

In fact, to gain a solid foundational understanding of both the Safety First and Probability Based approaches to retirement income planning, I believe one should tackle both volumes with full attention as one’s retirement income plan will likely be integrated pulling teachings from both camps.
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Robert Reynolds
5.0 out of 5 starsVerified Purchase
Well written and worth studying
Reviewed in the United States on October 19, 2017
This is an excellent summary of the current thinking regarding retirement spending. Not being a financial planner I was prepared to be out of my depth but the author is able to convey complex concepts in an understandable way so that even if the finer or more technical... See more
This is an excellent summary of the current thinking regarding retirement spending. Not being a financial planner I was prepared to be out of my depth but the author is able to convey complex concepts in an understandable way so that even if the finer or more technical points elude you; nonetheless, you come away with a high level understanding of the concept.

Being close to retirement and having to manage a defined contribution retirement fund, like many others these days, this book is a much welcome study and gives the retiree confidence that they can conceive and execute their retirement plan, either on their own or in concert with a financial planner. The concepts described in the book cover a wide scope of both academic research and proven examples.

Take your time with the reading and slowly absorb the concepts to see what it right for you. It will be time well spent.
3 people found this helpful
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gogol
4.0 out of 5 starsVerified Purchase
good book, but with subtle advertising
Reviewed in the United States on November 6, 2020
the beginning of the book is very informative and a good read. it summarizes many of the topics I''ve read elsewhere in a clear way. I didnt like that in the final chapters the author refers to the company he is working for, it felt a little like advertising for... See more
the beginning of the book is very informative and a good read.
it summarizes many of the topics I''ve read elsewhere in a clear way.
I didnt like that in the final chapters the author refers to the company he is working for, it felt a little like advertising for his services as a fee only advisor, but I must admit it was transparent and not too pushy.
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DW
3.0 out of 5 starsVerified Purchase
A good introduction to the basic principles of portfolio analysis
Reviewed in the United States on February 24, 2018
A good introduction to the basic principles of portfolio analysis and the role of Monte Carlo simulations. But a bit repetitive and wordy. And I was disappointed to find in later chapters that the book was an overt advertisement for the author''s professional services.... See more
A good introduction to the basic principles of portfolio analysis and the role of Monte Carlo simulations. But a bit repetitive and wordy. And I was disappointed to find in later chapters that the book was an overt advertisement for the author''s professional services. Probably worth the current $9.99 Kindle price for the value of the early chapters of the book but certainly not worth the list price in my opinion.
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Top reviews from other countries

Harry
5.0 out of 5 starsVerified Purchase
A more technical book on retirment income planning
Reviewed in the United Kingdom on March 24, 2021
I''ve read several books on this subject recently. This one is the most technical, so happy I read it last! Suitable if that''s what you want and are comfortable with a fair degree of analysis and modelling, to enable you to make your own decisions about managing your...See more
I''ve read several books on this subject recently. This one is the most technical, so happy I read it last! Suitable if that''s what you want and are comfortable with a fair degree of analysis and modelling, to enable you to make your own decisions about managing your retirement portfolio with more confidence and greater understanding of the risks involved. If not, there are other books covering similar ground but in less depth.
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Edward C Middleton
5.0 out of 5 starsVerified Purchase
Covers all the topics and gives a good layout of what you need to think about and ...
Reviewed in Canada on November 13, 2017
Very informative and thought provoking. Covers all the topics and gives a good layout of what you need to think about and plan for. I found it very easy to read but for those not into DIY retirement planning it will be a bit of a learning curve but doable. Non of the...See more
Very informative and thought provoking. Covers all the topics and gives a good layout of what you need to think about and plan for. I found it very easy to read but for those not into DIY retirement planning it will be a bit of a learning curve but doable. Non of the concepts are hard but will be new to many. A definite read for all retirement planners as it is up to date on all current discussions.
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avid learner
5.0 out of 5 starsVerified Purchase
great guide to a complex topic
Reviewed in Australia on February 12, 2018
Very clear, thought-provoking, and helpful.
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