The New Safe Withdrawal Rate: Rethinking the 4% Rule for Retirement

The New Safe Withdrawal Rate: Rethinking the 4% Rule for Retirement
Join us as Dana Anspach, CEO and founder of Sensible Money, discusses the evolution of the famous 4% retirement withdrawal rule with FinStream's Bob Powell. Discover insights from Bill Bengen, the original creator of the rule, and learn about his latest research, new safe withdrawal rates, and how modern asset allocation impacts your retirement planning. We break down Bengen's eight-point plan for creating a personal retirement income strategy, discuss the importance of flexibility, human behavior in financial decisions, and compare different retirement income methodologies. Whether you’re planning for retirement or advising others, this deep dive will help you make more informed, confident choices.

4% rule, safe withdrawal rate, Bill Bengen, retirement planning, Dana Anspach, Sensible Money, retirement income, asset allocation, financial independence, personal finance, sequence of returns risk, portfolio diversification, withdrawal strategies, retirement advice,

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Video Chapters:
0 The History and Evolution of the 4% Rule
181 Bill Bengen’s New Safe Withdrawal Rate Research Explained
601 Eight Key Elements for a Personal Retirement Income Plan
901 Comparing Retirement Income Strategies & The Role of Human Behavior

Special thanks to Dana Anspach (Sensible Money) for her insights. Additional research referenced from Joe Tomlinson.

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This video is for educational purposes only and does not constitute financial advice. Some links may be affiliate links, which help support the channel at no extra cost to you.
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