Course 310: How to Withdraw from Your Portfolio in Retirement
Find Your Asset Mix, Time Horizon
In this course
1 Introduction
2 Find Your Asset Mix, Time Horizon
3 Determine How Confident You Want to Be
4 Find Your Withdrawal Rate
5 Estimating How Much of Your Portfolio You Can Spend
6 Other Sources of Income--and Taxes
7 Making Refinements

The right mix of stocks, bonds, and cash is going to depend upon how sure you want to be that your money doesn't run out prematurely.

On the worksheet, circle which asset mix comes closest to your current allocation.

Your time horizon is how long you expect to draw on your portfolio. In other words, it's how long you expect to live once you retire.

Keep in mind that Americans are living longer, healthier lives than ever before. A woman who is now 65 can expect to live another 20 years, while a 65-year old man likely has another 17 years to look forward to.

Subtract your expected retirement age from your life expectancy to figure how long you'll be tapping your portfolio. Circle the number of years that come closest on the worksheet.

Next: Determine How Confident You Want to Be >>


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