by Ethan S. Braid, CFA | Apr 3, 2025 | Asset Allocation, Blog, Retirement Planning
How reliable is the 4% rule when using a 60/40 equity/fixed balanced investment strategy? Will you run out of money if you have bad timing and retire right before a recession? How will sequence of negative returns affect your retirement plan? To answer these questions...
by Ethan S. Braid, CFA | Apr 3, 2025 | Asset Allocation, Blog, Retirement Planning
Like what I saw in the year 2000, many investors are now touting the benefits of an all-equity retirement portfolio. I thought it would be fun to see how a hypothetical $2 million retirement portfolio would have performed using the 4% rule for retirement distributions...
by Ethan S. Braid, CFA | Mar 26, 2025 | Asset Allocation, Blog, Retirement Planning
Retirees should plan to encounter four recessions during a typical 25-to-30-year retirement. According to Fed Chair Jerome Powell during his March 19th, 2025, press conference, the unconditional probability of a recession is in the range of 1 in 4 at any time. Another...
by Ethan S. Braid, CFA | Mar 21, 2025 | Blog, Retirement Planning
Most people planning for their retirement will utilize software to develop their retirement plan. They might use a free retirement planning tool they find on the internet or hire a financial planner who uses software to develop their retirement plan. In either case,...
by Ethan S. Braid, CFA | Mar 13, 2025 | Blog, Retirement Planning
The year you retire can make or break your retirement plan. Will you retire at a good time or a bad time? You cannot really know if you have bad timing until after the fact. If you retire at a bad time, right before a recession and crash in the stock market, you won’t...
