Finances in Retirement - Investments

Most Popular Retirement Articles

by Retirement Tips

Jan 2, 2024

Top Three Articles of the Year

Number 3:


Does the 4 Percent Rule Still Apply to Retirement Withdrawals?

Does the 4 Percent Rule Still Apply to Retirement Withdrawals?

The 4% rule suggests that retirees can safely withdraw the amount equal to 4 percent of their savings during their retirement year and then adjust for inflation each subsequent year for 30 years.

Key Highlights:

  • Due to high inflation rates, financial planners, including the rule’s creator, Bill Bengen, caution that the 4% rule may no longer be feasible for the long term, and retirees should consider adjusting their withdrawal rates.
  • Alternative withdrawal strategies, such as the bucket and fixed dollar withdrawals, provide retirees with options beyond the traditional 4% rule, allowing for a more personalized approach based on individual circumstances and financial goals.
  • Factors such as marital status, state of residence, life expectancy, types of retirement accounts, and expected living expenses in retirement should be carefully evaluated to determine the most suitable approach for each individual’s financial situation and goals.

Read more about the 4% rule.

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Number 2:


How Much Cash Should I Have on Hand in Retirement?

couple sitting reviewing savings, many women, emergency fund

This article underscores the importance of maintaining an emergency fund in retirement despite the ability to withdraw from retirement accounts without penalties.

Key Highlights:

  • Despite penalty-free access to retirement accounts, experts emphasize the need for retirees to maintain an emergency fund, recommending coverage for six to twelve months of living expenses.
  • Financial prudence of keeping an emergency fund in cash to avoid potential losses from withdrawing from stock funds during market downturns.
  •  Keeping emergency funds in secure accounts, steer clear of investments susceptible to market fluctuations, and explore considerations for amounts exceeding FDIC insurance limits.

Read more about how much cash you should have on hand in retirement here.


Number 1:


Have You Heard About the “Rich Person’s Roth?”

Have You Heard About the Rich Person's Roth?

A Roth IRA is an effective tax-minimization tool, but high earners may find an alternative in the “Rich Person’s Roth,” a cash-value life insurance policy offering tax-free earnings and withdrawals.

Key Highlights:

  • Not a retirement account but a cash-value life insurance policy offering tax-free earnings and withdrawals.
  • No annual contribution limits,
  • Health considerations and interest rates on policy loans are important factors

Read more about Rich Person’s Roth here.

Honorable Mentions:

5 Powerful Questions To Ask a Financial Advisor

Is $1 Million Enough to Retire?

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Welcome to our “Best of 2023” recap, highlighting some of this year’s most insightful articles. This recap will explore insightful topics such as retirement planning, mortgage payoff strategies, withdrawal rules, and required minimum distributions.

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Retirement Tips

Retirement Tips is an educational blog dedicated to helping workers and retirees become more knowledgeable about retirement and financial planning.

We want to help readers learn more about their retirement investing options, programs like Medicare and Social Security, and difficult-but-important topics like long-term care and estate planning.

Our goal is to help you make more informed decisions when it comes to your retirement and to make it easier for you to connect with an advisor in your area should you need professional financial advice.

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