Cents and Sensibility: the Inflation Guy Podcast
Business:Investing
The notion of a 'safe withdrawal rate,' being a real amount that can be taken out of savings in retirement each year without a significant risk of running out of money in some window of time, goes back to a 1994 paper by Bengen which enshrined the "4-percent rule." In this podcast, the Inflation Guy discusses improvements to that rule - including some that he popularized - especially when it comes to the need to add some inflation-proofing to an asset mix that needs to keep up with inflation! The IG still prefers personal liability-driven-investing, but investment do-it-yourselfers who like rules of thumb need to know that there are easy ways to improve on the 4% rule...and some not-so-obvious pitfalls in using it blindly!
The Inflation Guy also responds to an excellent listener email about last week's episode.
NOTES
Podcast callback: Ep. 91: Quality Adjustment (?) in College Tuition Inflation
The Inflation Guy's Society of Actuaries paper: Maximizing Personal Surplus: Liability-Driven Investment for Individuals
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Check out the new website!: https://www.EnduringInvestments.com/
Ep. 110: This Month's CPI Report - 'As Expected' Doesn't Mean 'All Clear'
Ep. 109: Famous Last Words
Ep. 108: Revisiting Velocity - Myths and Reality
Ep. 107: Those Ten Dangerous Words
Ep. 106: This Month's CPI Report - A Potential Pony Situation
Ep. 105: Inflation as Foreign Exchange, or How People Screwed Up Housing Forecasts
Ep. 104: Inflation Snippets
Ep. 103: This Month's CPI Report - Sticky Too Soon
Ep. 102: Gold and Crypto - Are Either, or Both, Real?
Ep. 101: Live Long and Prosper with Inflation-Linked Annuities
Ep. 100: Looking Back and Looking Forward
Ep. 99: This Month’s CPI Report - UGH!
Ep. 98: Will You Be Able to Trade Medical Care Inflation Soon?
Ep. 97: Inflation and Reinsurance - a Better Way
Ep. 96: Money Illusion - What it is and Why it Matters
Ep. 95: 2024 Call to Action
Ep. 94: This Month’s CPI Report - New Year, New Ewww
Ep. 93: This Month’s CPI Report - Sorry I Could Not Travel Both
Ep. 91: Quality Adjustment (?) in College Tuition Inflation
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