The Forty-Year Horizon: How to Build, Protect and Draw Down Wealth for Lifelong Freedom
FINANCES 360
M. Muñoz
Ebook
267
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About this ebook
Retirement can now last forty years, and few people have ever been shown what that actually costs or how to pay for it. The Forty-Year Horizon takes the subject apart in plain language. It begins by working out a realistic target for a dignified retirement, then examines the forces that quietly erode savings: inflation, longer lifespans and rising healthcare costs. The middle chapters compare the main ways of turning assets into income: the 4% withdrawal rule and its limits, dividends, annuities, sensible asset allocation and combined strategies. It also shows how your annual savings rate determines the age at which you can stop working, compares pension and healthcare systems in North America and Europe, and ends with a method for reviewing and adjusting the plan over time. For anyone, at any age, who wants to know the numbers in time to act on them.
Retirement can now last forty years, and few people have ever been shown what that actually costs or how to pay for it. The Forty-Year Horizon takes the subject apart in plain language. It begins by working out a realistic target for a dignified retirement, then examines the forces that quietly e...
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