Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives.

On this week's episode, Damien explores the well-known 4% rule for retirement withdrawals and explains why relying on it during periods of market volatility could put your pension at risk.

He then reveals an alternative approach highlighted by Vanguard known as 'dynamic spending'. By applying a ceiling and a floor to your annual withdrawals, you can preserve capital during downturns while still enjoying a higher income when your investments perform well. He also shares some free tools to help you model your own retirement scenarios and ensure your money lasts.

Check out this week's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcast article⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ on the Money to the Masses website to see the full list of resources from this week's show.

Resources:

• Sign up to the weekly newsletter
• Take out a trial of 80 20 investor
• Vanguard White Paper on Dynamic Spending
• fiCalc.app - Retirement withdrawal calculator
• MTTM Podcast Episode 210 - Debunking the 4% rule
• Watch on YouTube - Alternative to the 4% rule

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