Personal Finance (Not Investing) • Decumulation research and strategies

The best way is probably to go through then”learn” section of the tpawplanner.com website


What’s better is going through the TPAW thread and just reading all the posts from the website author, Ben Mathew. Just read his posts and you’ll make a lot of progress

viewtopic.php?t=331368

My question isn't what's the best way to learn; it's why do you think this is the best approach for decumulation?

I don't currently have time to read 1,000 technical posts, hence I was looking for a proponent's view as to "why it is the way." That question remains unanswered.

I am coming to the realization that there is no single best suggestion for decumulation. Almost all people on bogleheads withdraw so little from their nest egg that it really doesn’t matter which method they choose. 4% rule, Big ERN, TPAW and VPW are all within a few tenth of a percentage of each other that over a 30 year old retirement it is all noise which method one chooses. Just withdraw around 4% your first year and ensure your withdrawal rate doesn’t get too high over time. 3 fund portfolio is adequate but a portfolio like a golden butterfly has historically had lower drawdowns and quicker recoveries.

Statistics: Posted by eg1 — Wed Dec 11, 2024 10:47 am — Replies 28 — Views 2266

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