The Smartest Ways to Withdraw Money in Retirement

Most people about to retire are told to take 4% of their pot in the first year and raise it with inflation, or to use guardrails, which let you take more but cut your income after bad years. But the rules whose money never runs out in historical tests manage it by lowering what you take. In both the US and the UK, one guardrail rule cut the income of someone who retired just before the stagflation era by over half. In this video we look at which rule suits the income you need and the lowest you'd accept, and whether a cash buffer helps. I'll also share the plan I'd use for my own retirement.

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CHAPTERS
00:00 Introduction
00:46 Three Retirement Tradeoffs
02:31 Know Your Two Numbers
03:00 UK Backtest Setup
03:57 Flo Tests Withdrawal Rules
05:59 How Much Flex Can You Take
06:51 Small Pots and Annuities
07:35 Cash Buffer Reality Check
09:06 Legacy and Inheritance Risks
09:55 Simple Rule of Thumb
10:40 My Bond Ladder Plan
11:30 Wrap Up and Your Cut Limit

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DISCLAIMER
All information is given for educational purposes and is not financial advice. Ramin does not provide recommendations and is not responsible for investment actions taken by viewers. Figures that are quoted refer to the past and past performance is not a reliable indicator of future results.

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