The Retirement Portfolio Lifecycle
Jun 18, 2015
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By Craig L. Israelsen, PhD
A retirement portfolio has a 70-year life: 35 years of saving followed by 35 years of spending. While financial engineering can stretch the nest egg over time, a good rule of thumb is to have 12 times final income saved upon retirement. We compare 10 retirement portfolios at various savings rates to determine which investment models offer the greatest chance for success.