We are pleased to announce that we have a new page Fixed Income Bond Fund Portfolios that features 5 major bond fund portfolios. All of the bond fund portfolios were discussed in our previous newsletters:
- June 3, 2013: Total Return Bond Fund Portfolios For Major Brokerages
- July 1, 2013: Half Year Portfolio Review
How Bear Markets Affect Your Retirement Income And Spending
How much can you spend during retirement is always an important topic for many retirees or people who are close to retirement. A rule of thumb is that one can withdraw safely 4% of your investments annually for a moderate or conservative portfolio to last for about 30 years. Many other safe withdrawal methods have been proposed and/or used by retirees. MyPlanIQ has an extensive collection of various withdrawal strategies and they can be tested, coupled with a portfolio for withdrawal and deposit to account for a portfolio’s cash flow.
For example, the strategy Floor and Ceiling Retirement Strategy with 4 Percent Fixed Percentage is one of variable withdrawal strategies in order to maximize withdrawals while at the same time incorporating some provision to reduce withdrawals.
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