Comments on: Looking at Retirement Withdrawal Strategies http://allfinancialmatters.com/2006/04/25/looking-at-retirement-withdrawal-strategies/ A personal finance blog dedicated to discussing such topics as budgeting, asset allocation, 401K, IRA, cash flow, insurance, financial planning, portfolio management, and other areas in personal finance. Sat, 11 Feb 2012 20:32:19 +0000 hourly 1 http://wordpress.org/?v= By: Ron http://allfinancialmatters.com/2006/04/25/looking-at-retirement-withdrawal-strategies/comment-page-1/#comment-339818 Ron Tue, 29 Jul 2008 03:10:34 +0000 http://allthingsfinancialblog.com/?p=647#comment-339818 Wouldn't the asset allocation of one's portfolio influence the percentage of annual withdrawl? Would a 65/35% equity/bond portfolio tolerate a different level of withdrawl....than a 20/80% equity/bond portfolio? Is there any data/formulas that give insight here? Wouldn’t the asset allocation of one’s portfolio influence the percentage of annual withdrawl?

Would a 65/35% equity/bond portfolio tolerate a different level of withdrawl….than a 20/80% equity/bond portfolio? Is there any data/formulas that give insight here?

]]> By: cliffs http://allfinancialmatters.com/2006/04/25/looking-at-retirement-withdrawal-strategies/comment-page-1/#comment-6978 cliffs Sun, 11 Jun 2006 00:25:58 +0000 http://allthingsfinancialblog.com/?p=647#comment-6978 I really like the Grangaard approach to withdrawing assets during retirement. You begin by creating a bond/CD/fixed income ladder for ten years in which each year you get both interest and cash out bonds/CDs. The remainder of your assets you put into stocks. Since you have ten years, you can exit the stocks any time that you can successfully create a new ten-year ladder. This way you hold stocks until they go up. Since over ten years, it is likely that there will be ups and downs, just sell high. Most people have to sell stocks when they are down. I really like the Grangaard approach to withdrawing assets during retirement. You begin by creating a bond/CD/fixed income ladder for ten years in which each year you get both interest and cash out bonds/CDs. The remainder of your assets you put into stocks. Since you have ten years, you can exit the stocks any time that you can successfully create a new ten-year ladder. This way you hold stocks until they go up. Since over ten years, it is likely that there will be ups and downs, just sell high. Most people have to sell stocks when they are down.

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