Take 5%, not 4% from my ARF - with Bill Bengen (creator of the 4% rule!)

Informed Decisions Independent Financial Planning & Money Podcast

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27d ago 38:20

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Welcome to Informed Decisions Podcast, where we bring you expert insights for Irish investors and retirees.

Today, we have a rip-roaring guest joining us - Bill Bengen, the financial planner who literally wrote the book on retirement withdrawals. Back in 1994, Bill's groundbreaking research established what became known worldwide as the "4% rule".

This was the cornerstone of retirement planning, that suggests you can safely withdraw 4% of your portfolio annually without running out of money.

But here's where it gets interesting for our Irish listeners: Bill has been revisiting his own work, and his latest research suggests that retirees today might actually be able to take 5% from their Approved Retirement Funds over multiple decades, not the traditional 4% many have been following.

For those managing ARFs here in Ireland, this could be game-changing news. We know how crucial it is to balance enjoying your retirement years while ensuring your money lasts - it's that delicate dance between living well today and having security tomorrow.

Bill's going to walk us through exactly why he believes this adjustment makes sense in today's market conditions, and how to think about implementing this approach with your own ARF strategy.

Whether you're already drawing from your ARF or planning for that transition, this conversation could reshape how you think about your retirement income. Let's dive in with the man who started it all!

I hope it helps.

Paddy Delaney QFA RPA APA

Disclaimer: Seek professional advice before taking any course of action.

Disclaimer

The content of this site including blogs and podcasts is for information purposes only. Everybody’s financial situation is different and the content we share on our site and through podcasts may not be applicable to you.

The articles, blogs and podcasts are not investment advice. They do not take account of your individual circumstances, including your knowledge and experience and attitude to risk. Informed Decisions can’t be held responsible for the consequences if you pursue a course of action based on the information we share

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