The probability-based school of thought on retirement income investing, with its emphasis on total-portfolio return, has dominated financial planning since the 1990s. But is it still relevant today? In this session, Wade will examine the core methodology and assumptions behind this approach and discuss how time-segmentation strategies offer a more holistic alternative.
• Why longstanding assumptions about safe withdrawal rates and the “4% rule” may no longer be relevant;
• How time segmentation allows clients to use varied investment strategies and vehicles to generate needed income during different phases of their retirement;
• How time segmentation helps advisors deliver more customized, needs-based retirement-income planning solutions for their clients.
Professor of Retirement Income,
The American College