Retirement spend-down

At retirement, individuals stop working and no longer get employment earnings, and enter a phase of their lives, where they rely on the assets they have accumulated, to supply money for their spending needs for the rest of their lives. Retirement spend-down, or withdrawal rate,^[1]^[2]^[3]^[4]^[5] is the strategy a retiree follows to spend, decumulate or withdraw assets during retirement.

Retirement planning aims to prepare individuals for retirement spend-down, because the different spend-down approaches available to retirees depend on the decisions they make during their working years. Actuaries and financial planners are experts on this topic.

^ "Retirement Savings: Choosing a Withdrawal Rate That Is Sustainable". AAII: Retirement Savings: Choosing a Withdrawal Rate That is Sustainable. Retrieved 2015-06-05.
^ Kapadia, Reshma. "Retirement Rules: Rethinking a 4% Withdrawal Rate". Retrieved 2015-06-05.
^ Avenue, Next. "How Much To Withdraw From Retirement Savings". Forbes. Retrieved 2015-06-05.
^ "4% withdrawal rate in retirement unrealistic in real world, researchers say". www.investmentnews.com. 12 March 2014. Retrieved 2015-06-05.
^ "How much can I withdraw in retirement? | Vanguard". personal.vanguard.com. Retrieved 2015-06-05.

[1] "Retirement Savings: Choosing a Withdrawal Rate That Is Sustainable". AAII: Retirement Savings: Choosing a Withdrawal Rate That is Sustainable. Retrieved 2015-06-05.

[2] Kapadia, Reshma. "Retirement Rules: Rethinking a 4% Withdrawal Rate". Retrieved 2015-06-05.

[3] Avenue, Next. "How Much To Withdraw From Retirement Savings". Forbes. Retrieved 2015-06-05.

[4] "4% withdrawal rate in retirement unrealistic in real world, researchers say". www.investmentnews.com. 12 March 2014. Retrieved 2015-06-05.

[5] "How much can I withdraw in retirement? | Vanguard". personal.vanguard.com. Retrieved 2015-06-05.

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