Tom’s Blog

Are you using too low of Safe Spending Rate (SSR%)?

You probably are using too low of Safe Spending Rate (SSR%) for your calculation of your annual Safe Spending Amount (SSA). (See Chapter 2, Nest Egg Care (NEC).) My schedule of age-appropriate Safe Spending Rates (SSR%) is too low. (See Graph 2-7 and

Is this a better Rule as to how to use your bond insurance for your spending?

I have a new rule I recommend for selling bonds for your spending. The rule results in a safer financial retirement plan. It can add several years to your ability to take a full withdrawal for spending. The purpose of this post is to explain

What is money?

I just read this headline (I’m writing on Wednesday afternoon.) that the Senate may agree to increase the debt ceiling. That would avoid a government shutdown, no payments of Social Security and, potentially, the default of US payments of its debt obligations: interest on billions

Is “Bonds first” a strategy for annual withdrawals for your spending from your portfolio?

My friend Jay sent me an article years ago that argued the best withdrawal strategy for retiree was “Bonds first.” You set a constant dollar withdrawal amount for spending and an initial mix of stocks and bonds. You sell bonds for your spending until you’ve

I fiddled with my bonds. Should you?

For many years I fiddled annually with my stock portfolio. Decades ago, I would spend hours and hours trying to pick winning stocks. Years ago, I would spend hours trying to pick winning, actively managed stock mutual funds. I stopped all fiddling for the last

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