DESIGNING DRAW DOWN PORTFOLIOS
The critical question retirement investors need to ask is: what is the best strategy for withdrawing money from my nest egg? The answer to this question requires a careful analysis of
multiple factors. During retirement some of the factors that must be taken into account are:
· Determining
a sustainable yearly rate of
withdrawal (such as 5%).
· Periodically
adjusting the yearly withdrawal
rate based on the short-term performance
of the market and the effects of inflation
on
fixed expenses.
· Establishing
a cash account that may
contain several years' worth of living
expenses.
· Determining
a plan for rebalancing.
· Co-coordinating
withdrawals from all
accounts (taxable and tax-deferred).
· Clearly
delineating the difference between
those expenses that are necessary and
those that are optional.
During retirement investors need to have an investment strategy that addresses all of these factors. |
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OUR FEES
Wealth Analytics provides fee-based investment management. Clients are not charged a commission for the acquisition
of investment management products; instead a fee is assessed for assets under management. Typically fees for a
$1,000,000 account would range between .75% ($7,500) and 1.25% ($12,500) per year.
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