New Research Challenges 4% Rule, Emphasizing Client Spending Over Portfolio Preservation
Summary
The article introduces new retirement spending research that argues against the fixed 4% rule and promotes a flexible ARVA-based withdrawal approach. It says the method pairs TIPS with a low-cost stock index fund to support higher lifetime income and lower downside risk. It also launches The Best Third, a free website where investors and advisors can model retirement income plans with custom inputs. The site gives users a practical way to explore tax-aware withdrawal strategies and compare spending outcomes.
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The Best Third
up to $1M