Portfolio Survival With A Fixed Or CPI-Indexed COLA, Or RMD-Based Withdrawals

Portfolio Survival With A Fixed Or CPI-Indexed COLA, Or RMD-Based Withdrawals
Craig L. Israelsen, Ph.D.
7Twelve Portfolio
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CFP® - 1 credit
IMCA - 1 credit
Live CPA - 1 credit
Program Id:829352675
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For the first time in years, inflation just rose to hit the Fed's target rate. How will inflation affect the survival of retiree portfolios in the years ahead? This presentation reviews survival rates of retirement portfolios over the last 47 years based on various withdrawal schemes.


You will see the impact on portfolio survivability when a fixed-rate cost of living adjustment (COLA) versus a COLA tied to the Consumer Price Index is applied, as well as the results of a withdrawal scheme based on annual required minimum distributions (RMDs). A strategy tying withdrawals to the higher of the fixed-rate COLA withdrawal, CPI-based annual withdrawal, and the RMD withdrawal also is illustrated. You'll learn to show clients how the risk of seemingly trivial decisions on withdrawal strategies will affect their portfolio's survivability when they are in their 80s and 90s. 


If you like Craig's webinars, here's a 30-day free trial enabling you to collaborate with him along with independent economist, Fritz Meyer, and financial and tax planning guru, Bob Keebler, CPA/PFS. Sign up for an account and, after verifying your email address, you'll get instant access.


Craig L. Israelsen, Ph.D., an expert on optimizing performance of asset classes, has delivered scholarly research to practitioners monthly in Financial Planning magazine for over a decade, earning the trust of independent financial professionals. Craig is an Executive-in-Residence in the Financial Planning Program at Utah Valley University and an expert in low-cost investing. His investment methodology, 7Twelve Portfolio, is relied on by hundreds of professionals across the country. He has partnered with A4A since 2009 and leads classes monthly on A4A.


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is eligible for IMCA® CE, CFP® CE, PACE credit toward CLU® and ChFC® designations and live CPA CPE credit.


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