The Rule of 4% Income, introduced by William Bengen in the 1990s, suggested withdrawing 4% annually from retirement accounts. However, Bengen has since revised this rule, recognizing that evolving markets and varied investment allocations allow for more flexible withdrawal rates. We follow this updated approach, and we also employ a buffer tactic to protect retirees’ income from market downturns.
Creating a buffer against stock market volatility is like a farmer storing crops to survive bad seasons. Similarly, we ensure retirees have several years of income set aside to protect against market downturns. This approach helps retirees maintain their income even when the markets are struggling.
We believe retirees should have full control and access to their retirement accounts without facing lock-up penalties or early termination fees. Our retirement portfolios offer both security and liquidity, allowing retirees to feel confident in their investments.
