35 min

A Safety First Approach to Retirement Planning and the Problems with the 4% Rule with Wade Pfau Excess Returns

    • Investing

The 4% rule has become one of the cornerstones of retirement planning. And in many ways that makes sense because investors who have spent 4% of their portfolio annually have historically had a very high chance of making their money last. But with expected returns on both stocks and bonds at historical lows, the 4% rule may not work as well in the future as it has in the past. 

This week, we explore this concept and look at a different approach to retirement planning with Dr. Wade Pfau, who is a Professor of Retirement Income at the American College and a principal at McLean Asset Management. 

We cover a variety of topics including the safety first approach to retirement, the impact of expected returns on retirement planning and the role that home equity should play in a retirement plan. 

We hope you enjoy the discussion. 

MORE ABOUT WADE

Retirement Researcher - by Wade Pfau, Ph.D. CFA & McLean Asset Management

FOLLOW WADE ON TWITTER

Wade Pfau (@WadePfau) / Twitter

SEE LATEST EPISODES

https://www.validea.com/excess-returns-podcast

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https://www.validea.com

FOLLOW OUR BLOG

https://blog.validea.com

FIND OUT MORE ABOUT VALIDEA CAPITAL

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Twitter: https://twitter.com/practicalquant

LinkedIn: https://www.linkedin.com/in/jack-forehand-8015094

FOLLOW JUSTIN

Twitter: https://twitter.com/jjcarbonneau

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The 4% rule has become one of the cornerstones of retirement planning. And in many ways that makes sense because investors who have spent 4% of their portfolio annually have historically had a very high chance of making their money last. But with expected returns on both stocks and bonds at historical lows, the 4% rule may not work as well in the future as it has in the past. 

This week, we explore this concept and look at a different approach to retirement planning with Dr. Wade Pfau, who is a Professor of Retirement Income at the American College and a principal at McLean Asset Management. 

We cover a variety of topics including the safety first approach to retirement, the impact of expected returns on retirement planning and the role that home equity should play in a retirement plan. 

We hope you enjoy the discussion. 

MORE ABOUT WADE

Retirement Researcher - by Wade Pfau, Ph.D. CFA & McLean Asset Management

FOLLOW WADE ON TWITTER

Wade Pfau (@WadePfau) / Twitter

SEE LATEST EPISODES

https://www.validea.com/excess-returns-podcast

FIND OUT MORE ABOUT VALIDEA

https://www.validea.com

FOLLOW OUR BLOG

https://blog.validea.com

FIND OUT MORE ABOUT VALIDEA CAPITAL

https://www.valideacapital.com

FOLLOW JACK

Twitter: https://twitter.com/practicalquant

LinkedIn: https://www.linkedin.com/in/jack-forehand-8015094

FOLLOW JUSTIN

Twitter: https://twitter.com/jjcarbonneau

LinkedIn: https://www.linkedin.com/in/jcarbonneau

35 min