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Higgins Capital Management, Inc.

How Much Annual Income Can Your Retirement Portfolio Provide?

Your retirement lifestyle will depend not only on your assets and investment choices, but also on how quickly you draw down your retirement portfolio.

The annual percentage that you take out of your portfolio, whether from returns or the principal itself, is known as your withdrawal rate. Figuring out an appropriate initial withdrawal rate is a key issue in retirement planning and presents many challenges.

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There are 4 primary considerations you should be considering:

1. Your projected lifespan.
2. Your withdrawal rate.
3. Inflation.
4. Portfolio volatility and longevity.

Conventional wisdom is that a withdrawal rate of about 4% provides inflation-adjusted income for at least 30 years.

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