438: How Global Withdrawal Rates Can Help You Create Your Ideal Retirement Portfolio
Retire With Purpose - The Retirement Podcast
Casey Weade
4.7 • 564 Ratings
🗓️ 17 May 2024
⏱️ 19 minutes
🧾️ Download transcript
Summary
Does the perfect asset allocation exist? To create a retirement portfolio that aligns with your long-term financial goals and needs, you might find your savings reap the most benefit by taking an international approach.
In this episode, we discuss:
- Conflicting opinions around the four percent rule.
- What does a "safe withdrawal rate" really mean?
- Why you need to know about the "Ulcer Index".
- The risk of home country bias.
Today's article comes from PortfolioCharts.com titled, What Global Withdrawal Rates Teach Us About Ideal Retirement Portfolios. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation.
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Show Notes: Howardbailey.com/438
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Transcript
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| 0:00.0 | What is the perfect asset allocation for your retirement portfolio across stocks, both global and domestic, T-bills, gold, foreign bonds, and more in order to maximize the amount of retirement income that you can have while reducing the number of ulcers that it actually creates? |
| 0:19.4 | We'll talk about that and more. |
| 0:29.5 | Hey, this is Casey Weed, and I am here with my good friend Marshall Johnson. |
| 0:34.3 | Hey, hey, what's up, buddy? Hey, it's good to be hanging out talking finance. |
| 0:38.2 | We're talking withdrawal rates again today. Just a couple of CFPs hanging out with you |
| 0:43.2 | following our mission to deliver clarity and purpose and elevate meaning in your life. And we do |
| 0:48.5 | that in a couple of different ways if you're new to the show. We do that both through financial |
| 0:52.4 | conversations and non-financial conversations. Marshall and I tend to trend a little bit more towards the financial, but we like |
| 1:00.1 | to incorporate some of the softer stuff every once in a while. We're not heartless, |
| 1:03.6 | but we then also bring on our certified retirement coach, Chief Purpose Officer here at Howard |
| 1:09.0 | Bailey Financial, Les McDaniel on occasion. |
| 1:12.0 | We'd like to bring him in and talk a little bit more about the quote unquote softer side |
| 1:16.5 | of retirement, happiness, purpose, meaning. And we also bring you a wide variety of different |
| 1:23.1 | world-class guests throughout the year. So I hope you enjoy the content. And if you do, don't forget to |
| 1:28.9 | leave us a rating and review. Let us know how we're doing. And we will definitely take that feedback. |
| 1:34.8 | I look at it every single day and I can't wait to incorporate it into the podcast to elevate |
| 1:39.8 | what we're delivering to you week in and week out. So, Marshall, we're talking about withdrawal rates. |
| 1:43.9 | We're actually using a, I don't know if you want to call it a blog post or a research study. |
| 1:48.9 | I mean, it's like a white paper. I tried to print this sucker off. It was 90 pages and I decided I didn't |
| 1:54.4 | want to kill any trees. So we're using somewhat of a research paper. It is from portfolio charts.com. And I was attracted to it because I'm always |
| 2:05.8 | attracted to retirement withdrawal rate research. Studies, deep dive, yeah. Anytime anybody ever puts a new |
| 2:13.0 | twist on it or takes the research further. And I think a lot of this research, we would expect it to |
... |
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