How Much Can I Spend in Retirement?
A Guide to Investment-Based Retirement Income Strategies
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Narrated by:
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Virtual Voice
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By:
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Wade Pfau
This title uses virtual voice narration
About this listen
Deciding how much to spend from your investment portfolio in retirement is an important complicated task. This book guides you through the process of determining a reasonable spending rate that will strike the balance between enjoying your early retirement years while preserving enough to be comfortable later in retirement.
How much can you spend in retirement? Naturally, this is an essential question for those approaching this important life transition. If you wish to retire one day, you are increasingly responsible for figuring out how to save during your working years and convert your savings into sustainable income for an ever-lengthening number of retirement years. The nature of risk also changes in retirement, as the lifestyle of retirees become more vulnerable to the impacts of market volatility, unknown longevity, and spending shocks. Retirees have one opportunity to build a successful plan. It is not an easy task, but it is manageable and I will explain how to do it.
I walk you through the findings of a large body of financial planning research regarding sustainable spending from investment portfolios in the face of a variety of retirement risks. That body of research tends to begin with the 4 percent rule of thumb for retirement spending. I explain how and why it was developed, what it means, and when it may or may not be appropriate for you.
I have reservations about the 4 percent rule. It may be too aggressive for current retirees for reasons including increasing longevity, historically low interest rates, high stock market valuations, the impact of the international experience with the 4 percent rule, the need to maintain a rather aggressive asset allocation, and because the 4 percent rule assumes that investors do not pay any fees or otherwise underperform the markets.
Other factors suggest that sustainable spending may be higher. Reasons include that actual retirees may tend to reduce their spending with age, that they build more diversified portfolios than used in the basic research studies, that real-world retirees may be willing to adjust spending for realized portfolio performance, and that some retirees may have the capacity and tolerance to accept higher portfolio failure probabilities because they have other sources of reliable income from outside their portfolios.
Other matters you will learn about is how to analyze a variety of variable spending strategies and how to create a bucketing strategy that uses bonds to support short-term spending needs and uses stocks and other growth assets to support longer-term spending goals.
Retirees need to weigh the consequences between spending too little and spending too much—that is, being too frugal or running out of assets. This book is about implementing what I call the “probability-based” school of thought for retirement planning. It is especially relevant for people who plan to fund their retirements using an investment portfolio and those who are hesitant about using annuities or other insurance products. For those considering annuities, I suggest my book, Safety-First Retirement Planning, which is also in The Retirement Researcher’s Guide Series. For now, we have plenty to discuss about investing for retirement.
How did I come to write this book? After completing my Ph.D. in Economics from Princeton University with a dissertation about Social Security reform, I become an economics professor who studied the pension systems in different countries. Eventually I gravitated toward individual retirement planning and now work with unique job title of "Professor of Retirement Income" and as director of the Retirement Income Certified Professional® designation for financial advisors. This requires me to be agnostic and to search for the best from different retirement income styles.
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Very technical, good reference
- By chad johnson on 07-08-21
By: Ed Slott
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Retirement Planning for Dummies
- By: Matthew Krantz
- Narrated by: Peter Lerman
- Length: 11 hrs and 49 mins
- Unabridged
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Performance
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Retirement Planning for Dummies is a one-stop resource to get up to speed on the critical steps needed to ensure you spend your golden years living in the lap of luxury - or at least in the comfort of your own home. When attempting to plan for retirement, web searching alone can cause you more headaches than answers, leaving many to feel overwhelmed and defeated. This book takes the guesswork out of the subject and guides listeners while they plan the largest financial obligation of their life.
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Why is there no supplemental pdf to accompany this audiobook?
- By Tiffany Nichols on 07-05-22
By: Matthew Krantz
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How to Retire
- 20 Lessons for a Happy, Successful, and Wealthy Retirement
- By: Christine Benz
- Narrated by: Laurel Lefkow, Rachel Handshaw, Nezar Alderazi
- Length: 10 hrs and 43 mins
- Unabridged
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Overall
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Performance
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Story
What are the secrets to a healthy, happy, and wealthy retirement? To answer that question, longtime Morningstar columnist and podcaster Christine Benz asked 20 retirement thought leaders to go deep on a single lesson that they believe contributes to success in retirement. These lessons range from nitty gritty financial matters to quality-of-life considerations that help pre-retirees and retirees maximize their “time on earth” allocations.
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Had to return the audiobook
- By Kavita B on 09-29-24
By: Christine Benz
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The Retirement Planning Roadmap
- A Simple 7-Step Guide to Navigating Your Retirement Goals with Confidence, Strengthening Financial Security and Ensuring Peace of Mind in Your Golden Years
- By: Sweet Home Publishing
- Narrated by: Tim Alexander
- Length: 3 hrs and 32 mins
- Unabridged
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Overall
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Performance
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Story
Discover the secret to enjoying your golden years free of fears and worries – retire with confidence in just 7 steps!
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Awesome, no-nonsense advice
- By Alerise L Cornell on 10-07-24
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The Retirement Savings Time Bomb Ticks Louder
- How to Avoid Unnecessary Tax Landmines, Defuse the Latest Threats to Your Retirement Savings, and Ignite Your Financial Freedom
- By: Ed Slott
- Narrated by: Dan Woren, Ed Slott
- Length: 15 hrs and 14 mins
- Unabridged
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Whether your retirement dreams are five years away or fifty—the single greatest threat standing in your way is taxes. Unlike losses in the stock market, money lost to taxes never recovers. With untaxed retirement accounts likely to become your largest asset, you face an explosive landscape of costly tax traps, penalties, and a complex maze of rules when it comes time to tap into those savings. Renowned tax advisor Ed Slott returns with the ultimate guide to reclaim control of your financial future and keep more of your money—no matter what Congress comes up with next.
By: Ed Slott
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How to Make Your Money Last
- The Indispensable Retirement Guide
- By: Jane Bryant Quinn
- Narrated by: Amanda Carlin
- Length: 12 hrs and 31 mins
- Unabridged
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Performance
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Today people worry that they're going to run out of money in their older age. That won't happen if you use a few tricks for squeezing higher payments from your assets - from your Social Security account (find the hidden values there), pension (monthly income or lump sum?), home equity (sell and invest the proceeds or take a reverse mortgage?), savings (should you buy a lifetime annuity?), and retirement accounts (how to invest and - critically - how much to withdraw from your savings each year).
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This is for someone a few years from retirement.
- By MATTHEW on 05-09-16
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The New Retirement Savings Time Bomb
- How to Take Financial Control, Avoid Unnecessary Taxes, and Combat the Latest Threats to Your Retirement Savings
- By: Ed Slott
- Narrated by: Dan Woren, Ed Slott
- Length: 14 hrs and 14 mins
- Unabridged
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Overall
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Performance
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If you're like most Americans, your most valuable asset is your retirement fund. We diligently save money for years, yet most of us don't know how to avoid the costly mistakes that cause a good chunk of those savings to be lost to needless and excessive taxation. Now, in the midst of a financial crisis, there is more need than ever to protect your assets. The Retirement Savings Time Bomb, by renowned tax advisor Ed Slott, shows you in clear-cut layman's terms how to take control over your retirement savings plan.
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Very technical, good reference
- By chad johnson on 07-08-21
By: Ed Slott
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Retirement Planning for Dummies
- By: Matthew Krantz
- Narrated by: Peter Lerman
- Length: 11 hrs and 49 mins
- Unabridged
-
Overall
-
Performance
-
Story
Retirement Planning for Dummies is a one-stop resource to get up to speed on the critical steps needed to ensure you spend your golden years living in the lap of luxury - or at least in the comfort of your own home. When attempting to plan for retirement, web searching alone can cause you more headaches than answers, leaving many to feel overwhelmed and defeated. This book takes the guesswork out of the subject and guides listeners while they plan the largest financial obligation of their life.
-
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Why is there no supplemental pdf to accompany this audiobook?
- By Tiffany Nichols on 07-05-22
By: Matthew Krantz
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How to Retire
- 20 Lessons for a Happy, Successful, and Wealthy Retirement
- By: Christine Benz
- Narrated by: Laurel Lefkow, Rachel Handshaw, Nezar Alderazi
- Length: 10 hrs and 43 mins
- Unabridged
-
Overall
-
Performance
-
Story
What are the secrets to a healthy, happy, and wealthy retirement? To answer that question, longtime Morningstar columnist and podcaster Christine Benz asked 20 retirement thought leaders to go deep on a single lesson that they believe contributes to success in retirement. These lessons range from nitty gritty financial matters to quality-of-life considerations that help pre-retirees and retirees maximize their “time on earth” allocations.
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Had to return the audiobook
- By Kavita B on 09-29-24
By: Christine Benz
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The Retirement Planning Roadmap
- A Simple 7-Step Guide to Navigating Your Retirement Goals with Confidence, Strengthening Financial Security and Ensuring Peace of Mind in Your Golden Years
- By: Sweet Home Publishing
- Narrated by: Tim Alexander
- Length: 3 hrs and 32 mins
- Unabridged
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Overall
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Performance
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Story
Discover the secret to enjoying your golden years free of fears and worries – retire with confidence in just 7 steps!
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Awesome, no-nonsense advice
- By Alerise L Cornell on 10-07-24
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Your Complete Guide to a Successful & Secure Retirement
- By: Larry Swedroe, Kevin Grogan
- Narrated by: Kevin Meyer
- Length: 11 hrs and 15 mins
- Unabridged
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This is your one-stop, definitive resource as you prepare for a secure and comfortable retirement. Investment and personal finance experts Larry Swedroe and Kevin Grogan present uniquely comprehensive coverage of every important aspect you need to think about as you approach retirement, including: Social Security, Medicare, investment planning strategy, portfolio maintenance, preparing your heirs, retirement issues faced by women, the threat of elder financial abuse, going beyond financials to think about your happiness, and much more.
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Some good advice; Lots of Liberal Drivel
- By bloser2 on 05-09-19
By: Larry Swedroe, and others
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Retirement Money Secrets
- A Financial Insider's Guide to Income Independence
- By: Steven R. Selengut
- Narrated by: Matthew Spaur
- Length: 5 hrs and 15 mins
- Unabridged
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Produce enough income to retire and make market volatility your very best friend. Steve Selengut, a 44-year investment professional, teaches you a simple yet little-known system for investing in the stock market that shouldn't be a secret (but is). It delivers reliable income without selling your hard-earned investments to pay the bills. Better yet, it works whether the stock market is going up or down.
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Learned a lot!
- By M . S. on 10-28-24
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The All-Weather Retirement Portfolio
- Your Post-Retirement Investment Guide to a Worry-Free Income for Life
- By: Randy L. Thurman
- Narrated by: Zack Sage
- Length: 5 hrs and 49 mins
- Unabridged
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You can have it all—not just more income to spend in your retirement years but also the peace of mind that comes from knowing that, no matter what happens in the outside world, you’ll be on your way to a worry-free income for life.
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The use of history and research to make his case for retirement strategy and success
- By Bummed in Boca on 08-29-24
By: Randy L. Thurman
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The Bogleheads' Guide to Retirement Planning
- By: Taylor Larimore, Mel Lindauer, Richard A. Ferri, and others
- Narrated by: David Marantz
- Length: 13 hrs and 3 mins
- Unabridged
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The Bogleheads are back - with retirement planning advice for those who need it! Whatever your current financial situation, you must continue to strive for a viable retirement plan by finding the most effective ways to save, the best accounts to save in, and the right amount to save, as well as understanding how to insure against setbacks and handle the uncertainties of a shaky economy. Fortunately, the Bogleheads, a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, are here to help.
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Sound principles
- By JM on 03-18-22
By: Taylor Larimore, and others
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The Ultimate Retirement Guide for 50+
- Winning Strategies to Make Your Money Last a Lifetime
- By: Suze Orman
- Narrated by: Suze Orman
- Length: 12 hrs and 31 mins
- Unabridged
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Suze is America's most recognized personal finance expert for a reason. She's been dispensing actionable advice for years to people seeking financial security. Now, in The Ultimate Retirement Guide for 50+, she gives you the no-nonsense advice and practical tools you need to plan wisely for your retirement in today's ever-changing landscape. You'll find new rules for downsizing, spending wisely, delaying Social Security benefits, and more-starting where you are right now.
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Way to long
- By Phil on 04-23-20
By: Suze Orman
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The New Retirementality
- Planning Your Life and Living Your Dreams...at Any Age You Want (New Retire-Mentality)
- By: Mitch Anthony
- Narrated by: Mike Norgaard
- Length: 6 hrs and 19 mins
- Unabridged
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In 2000, when top financial philosopher and best-selling author Mitch Anthony first presented a new way of thinking about retirement, it was novel, and many critics didn't buy into it. Originally written to get the attention of baby boomers, Mitch ended up starting a revolution by showing us that everything we had learned about retirement was wrong—we needed a "new retirementality."
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AI voice or elementary content?
- By R Montouri on 07-03-24
By: Mitch Anthony
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The Five Years Before You Retire
- Retirement Planning When You Need It the Most
- By: Emily Guy Birken
- Narrated by: Callie Beaulieu
- Length: 6 hrs and 15 mins
- Unabridged
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Even though half of all Americans put money aside for retirement, it isn't until they reach their 60s that many realize that they haven't saved enough. With The Five Years Before You Retire, you'll hone in on what you need to do in the next five years to maximize your current savings and create a realistic plan for your future. This book guides you through each financial, medical, and familial decision, from taking advantage of the employer match your company offers for your 401(k) program to enrolling in Medicare to discussing housing options with your family.
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Very basic information
- By KC on 01-02-17
By: Emily Guy Birken
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You Can Retire Sooner Than You Think
- By: Wes Moss
- Narrated by: Wes Moss, Scott Merriman
- Length: 7 hrs and 1 min
- Unabridged
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After conducting an intensive study of happy retirees to learn the financial practices they hold in common, Moss discovered that it doesn't take financial genius, millions of dollars, or sophisticated investment skills to ensure a safe, solid retirement. All it takes is five best practices.
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graphs/diagrams
- By Amazon Customer on 05-15-18
By: Wes Moss
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Trillions
- How a Band of Wall Street Renegades Invented the Index Fund and Changed Finance Forever
- By: Robin Wigglesworth
- Narrated by: Christopher Grove
- Length: 12 hrs and 3 mins
- Unabridged
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From the Financial Times' global finance correspondent, the incredible true story of the iconoclastic geeks who defied conventional wisdom and endured Wall Street's scorn to launch the index fund revolution, democratizing investing and saving hundreds of billions of dollars in fees that would have otherwise lined fat cats' pockets.
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REALLY entertaining!!
- By Peter Riley on 12-16-21
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The Truth about Retirement Plans and IRAs
- All the Strategies You Need to Build Savings, Select the Right Investments, and Receive the Retirement Income You Want
- By: Ric Edelman
- Narrated by: Keith Spengel
- Length: 7 hrs and 27 mins
- Unabridged
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Everyone knows that saving for your retirement is important. Yet only half of all eligible Americans contribute to a retirement plan. That’s because all plans - including the 401(k), 403(b), 457, and even the IRA - are complicated, confusing, and costly. New York Times best-selling author and acclaimed financial advisor Ric Edelman has counseled thousands of savers and retirees and has accumulated his advice in this audiobook.
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some very great info but be careful
- By Linda Mueller on 11-30-18
By: Ric Edelman
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Retirement Reality Check
- How to Spend Your Money and Still Leave an Amazing Legacy
- By: Josh Jalinski
- Narrated by: Jakob Lewis, Gabe Wicks
- Length: 5 hrs and 7 mins
- Unabridged
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Josh Jalinski, host of the popular Financial Quarterback radio program, challenges 50 years of conventional retirement planning with fresh strategies tailored to today and tomorrow. Retirement Reality Check shows you how to maximize what you can spend while still leaving significant resources to others. And isn’t that the point? Retirement should be a time to enjoy family, friends, and travel, and support your favorite charitable cause or hobby, without worrying about your financial security.
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Somewhat of a waste of time and Old saw about Whole life insurance
- By M. Rogers on 07-14-24
By: Josh Jalinski
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Retire Before Mom and Dad
- The Simple Numbers Behind a Lifetime of Financial Freedom
- By: Rob Berger
- Narrated by: Rob Berger
- Length: 6 hrs and 43 mins
- Unabridged
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It’s time to claim your financial freedom. All you need is a road map to follow, and you can create a life most people only dream about. A life free from financial stress. A life full of what matters most to you. In Retire Before Mom and Dad, you’ll learn how to unlock the superpower inside of you that is capable of transforming almost any income into lasting financial freedom.
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Excellent personal finance book!
- By Chicago on 09-15-19
By: Rob Berger
What listeners say about How Much Can I Spend in Retirement?
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- amaz.fan
- 03-24-24
warning: no pdf means little utility
Great analysis and useful content -- except the audio version includes no accompanying PDF. The text/analysis frequently refers to "see exhibit 2..." etc. to make its point. Without an accompanying PDF, you get nothing. Unless you plan to also buy a hard copy, avoid this title.
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