How Do I Develop An Income Plan?

The most commonly taught strategy in the retirement world is to invest your money in the market and withdrawal 4% out each year and your money should last as long as you do.
Then in 2013, the Wall Street Journal published an article debunking this myth. In the article the Wall Street Journal said:

In recent years, the 4% rule has been thrown into doubt, thanks to an unexpected hazard: the risk of a prolonged market rout the first two, or even three, years of your retirement. In other words, timing is everything. If your nest egg loses 25% of its value just as you start using it, the 4% may no longer hold, and the danger of running out of money increases.”

What can you learn from this? Simply withdrawing money each month from your accounts and hoping it lasts could get you trouble. You need to make sure your income in retirement is safe and reliable, not a what-if.

When you worked you lived off of the PAYCHECK that came in each month. It was dependable and something you could rely on. When you move into retirement it’s important to invest in your own private pension so you get a dependable paycheck each month to make up for the one you are losing when you retire.

» What should I do next?

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To succeed in retirement, it is important to fully understand your current situation and work with a financial planning firm that will make sure your assets are properly invested and managed.

How much risk should I be taking during retirement?

How do I know when to retire?

Will I run out of money?

How do I develop an income plan?

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How do I stop losing money in the market?

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