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Decision Rules and Portfolio Management for Retirees: Is the ‘Safe’ Initial Withdrawal Rate Too Safe?

by Jonathan T. Guyton, CFP®

“How much income can I safely take from my investment portfolio?” is one of the most critical and complex questions on which a financial planner must advise a client.

This article won the Journal’s 2004 ‘Call for Papers’ and was presented at the Financial Planning Association’s 2004 Annual Convention.