Learn how financial decisions affect your future
A curated set of tools and guides to help you make better retirement decisions. Dig into them, then head back to your plan to see how the concepts apply to your own numbers.
Tools
Spending & Withdrawals
The 4% Rule for Withdrawals
Understand a common guideline for sustainable withdrawals.
Why Most Retirees Never Draw Down Their Portfolio
Insights on retirement spending patterns and the consumption gap.
Why 50% Probability of Success Is Viable
A perspective on how to interpret Monte Carlo retirement projections.
Die With Zero
A framework for thinking about spending and living richly in retirement.
Guaranteed Income
How Much Guaranteed Income Do You Need in Retirement?
How Social Security, annuities, and other non-portfolio income help when markets are volatile.
Take the Risk Out of Your Income With a TIPS Ladder
How a ladder of inflation-protected Treasuries makes spending predictable, and its drawbacks.
The Best Current Sources of Retirement Income
Morningstar compares Treasury bonds, TIPS ladders, and annuities as ways to generate income.
Pensions
Ready to plan your retirement?
Use Retirement Figures to model your portfolio, optimize Social Security, and more.