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Congratulations, now you’ve moved through module three, and we’ve got into some initial theories about income allocation and how it applies to a retiree’s defined outcome income plan in retirement. So as a review, these are the challenges that the baby boomers have moving into retirement. The current retirement challenge is to plan for the potential of a 30 year retirement, while making our current resources last. We need to cover that income gap from our savings and investments and adjust past withdrawal rate assumptions for longevity and potential market conditions, using something in that 2% withdrawal rate range. We need to account for sequence risks to reduce the potential for losses right before and after retiring. But now we add this final challenge. How do we make sure that our estimated annual income needs accounts for year over year inflation and potentially doubles in every 22 years?