Page 4 - Jonathan Guyton News Today

Recent Morningstar research shows that the 4% standard for in-retirement withdrawals may be a bit too aggressive.

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They can spend more from their nest eggs than first appears.

Link Copied Editors note: This article first appeared in the Q2 2021 issue of Morningstar magazine. Click here to subscribe. With interest rates at unprecedented low levels, bond markets are in uncharted territory. As bond market theories struggle to keep pace, asset allocators and income investors must adapt in real time. This is a particularly challenging climate for those who need to live off their investments. The three panelists in this Morningstar Conversation bring three different pers...

A noted retirement researcher and financial planner discusses the benefits of Treasuries in retirement, putting guardrails around withdrawals, and why discretionary funds work.

Noted retirement researcher and financial planner Jonathan Guyton visits to discuss his take.

Link Copied In a 2019 Society of Actuaries survey, pre-retirees and retirees were asked about the issues that worried them most about their money in retirement. Topping the worry list for pre-retirees? That the value of their investments might not keep up with inflation. Nearly two thirds of pre-retirees cited inflation as a key worry--tied for the top slot with concerns about long-term-care expenses and ahead of worries about higher healthcare costs. At first blush, inflationary worries seem ...

Link Copied Retirement is supposed to be a well-deserved break after the pressures of the working world, but that doesn’t mean it’s easy. One of the toughest parts can be figuring out how much you can safely spend during retirement. If you take out too much, you run the risk of running out of assets later in life, especially if you’re fortunate enough to enjoy a long life span. If you take out too little, you might miss out on some of the fruits of a lifetime of savings, such as travel, d...

Link Copied When it comes to in-retirement retirement income--and specifically the amount you can safely withdraw from your portfolio without running out--I’ve got good news and bad news. Chances are you’ve already heard the bad news, but I’ll repeat it just in case. Thanks largely to low starting bond yields, which in turn depress a portfolio’s return potential, new retirees should start with a lower withdrawal percentage than the standard guidance of 4%. Doing so will cut the odds th...

15 personal-finance lessons we can all learn from the year of Covid-19 An accessible emergency fund can help alleviate the need for drastic cuts in spending when facing temporary shocks to your income (Shutterstock)Premium Jonathan I. Shenkman , The Wall Street Journal Among them: You really do have to plan for emergencies, and your personal-finance decisions don’t exist in a vacuum Share Via Read Full Story With 2020 in the rearview mirror, and the end of the pandemic (fingers crossed) in ...