Asset Allocation in Decumulation

Discussion of stock vs bond allocations, the 4% rule and the need for flexible withdrawal strategies.

Play episode from 28:48

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What if you live longer than you expect? Can you make your money last in retirement? Marianna Hunt is a personal finance specialist at Fidelity International. She’s looked at how you can actually plan for it.

Here’s our compound calculator: https://makingmoney.email/compound-interest-calculator

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This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

I mention my video featuring Marianna - here it is: https://youtu.be/hfS9LRCOzik?si=IR8PzDmX0p9DMqzZ

Fidelity's report on longevity: https://www.fidelity.com.sg/news-and-insights/the-longevity-revolution-preparing-for-a-new-reality

Chapters:

00:00 - Do You Need Help With A Financial Decision? Promo

01:05: How To Live To 100

07:54 - The Chance You Live To 100

11:02 - The Longevity Problem

16:49 - Tide Ad

17:46 - Can You Work Longer?

21:17 - Making Your Money Last

24:30 - Inflation Is The Silent Killer

30:35 - What If You Can’t Work Longer?