The Long View Wade Pfau: Higher Bond Yields Are a Plus for Retirees
52 snips
Apr 7, 2026 Wade Pfau, a retirement researcher and professor of practice who runs Retirement Researcher, joins to discuss how higher bond yields and TIPS real yields help starting withdrawal prospects. He covers income-first asset allocation, annuity integration into target-date options, retirement income styles, flexible spending rules, the retirement risk zone, and rising equity glide paths after retirement.
AI Snips
Chapters
Books
Transcript
Episode notes
Match Success Probability To Income And Flexibility
- Tailor your target probability of success to income and flexibility; use 90% if you lack reliable outside income or spending flexibility.
- Pfau suggests a reasonable range from ~70% (flexible) to 90% (conservative) based on circumstances.
Use Longevity Illustrator For Practical Life Expectancy
- Use the Longevity Illustrator tool for simple longevity distributions without intrusive questionnaires.
- Enter age, gender, smoking status, and self-rated health to get percentile longevity estimates and planning ages.
Earmark Reserves To Overcome Underspending Anxiety
- Earmark assets into reliable income, reserves, and discretionary pools to overcome undersaving-to-spend paralysis.
- Pfau recommends funded-ratio work to designate which assets cover essentials, unexpected contingencies, and what can be spent freely.
