The Atlas Annuity Podcast

Solving Retirement Withdrawal Rate & Longevity Mistakes With Annuities


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  • 00:24  The two key mistakes in retirement planning are misunderstanding withdrawal rates and underestimating longevity.
  • 01:58  The traditional 4% withdrawal rule may not ensure long-term financial security due to market volatility and low interest rates.
  • 03:05  The new safe withdrawal rate is around 3.5%, even for a 30-year retirement period, to maintain financial stability.
  • 04:36 ⚠️ Advisers suggesting higher withdrawal rates may increase the risk of financial instability due to the sequence of returns.
  • 05:30 ️ Planning for a longer lifespan, potentially to age 100, is crucial due to uncertainties in life expectancy.
  • 07:33  Consider incorporating income annuities into retirement plans to ensure guaranteed income regardless of longevity.
  • 09:06 ⚖️ Achieving a balance between guaranteed income, liquidity, and growth opportunities is essential for a successful retirement strategy.
  • ...more
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    The Atlas Annuity PodcastBy Marty Becker

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