Beyond the 4% Rule: Smarter Strategies for Financial Independence with Karsten Jeske
Description
#189: Learn to master retirement market risks and safe withdrawal rates with finance expert Karsten Jeske. We explore key strategies like the 4% rule, sequence of return risk, and delve into roles of taxes, annuities, inflation protection, portfolio allocation, and even the psychological aspects of retirement planning.
Karsten Jeske is the founder of Early Retirement Now, a blog where he shares his expertise in retirement planning, safe withdrawal rates, and financial independence. He has a PhD in economics and is a Chartered Financial Analyst.
Link to Full Show Notes: https://chrishutchins.com/how-to-retire-early-karsten-jeske
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Resources Mentioned
Karsten Jeske: Blog | X | LinkedIn
Part 14 & Part 15: Sequence of Return Risk
Part 28: Free DIY Withdrawal Rate Toolbox
Part 35: Asset Location
Part 43: Pre-Retirement Glidepaths
Part 61: Safety First
Blog Post: Stealth Frugality
Alpha Architect 1-3 Month Box ETF: BOXX
Blog For Tax Optimization: Go Curry Cracker
ATH Podcast:
- Ep #2: Financial Independence Without a Six Figure Salary with Brad Barrett
- Ep #141: The Spectrum of Financial Independence and Tools to Track Your Progress with Brad Barrett
- Follow & Review on Apple Podcasts
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Full Show Notes
(00:00 ) Introduction
(02:00 ) Should Everyone Retire Early?
(05:09 ) The Rule of 4% as a Guideline
(09:46 ) The Role of Longevity in the 4% Rule
(12:46 ) Using Historical Data for Retirement Simulations
(19:11 ) Sequence of Return Risk: What It Means & What to Do About It
(23:51 ) Strategies to Mitigate the Sequence of Return Risk
(30:41 ) The Flexibility of Safe Withdrawal Rates
(37:49 ) How to Adjust Withdrawal Rates Based on Current Market Conditions
(45:53 ) The Reverse Glide Path Strategy
(49:30 ) The Impact of Inflation on Retirement Planning
(57:03 ) Evaluating Annuities
(59:40 ) Ways to Consider Tax Optimization Strategies
(1:04:29 ) How to Think About Portfolio Allocation During Accumulation
(1:12:25 ) The Role of International Diversification in Equity Allocation
(1:16:57 ) Karsten's View on Tax Loss Harvesting
(1:20:34 ) Asset Location
(1:22:35 ) Is Adding Leverage to Your Equity Worth It?
(1:26:41 ) Advice for Someone Early in the Accumulation Phase
(1:28:27 ) Stealth Frugality
(1:29:39 ) How Do People Spend During Retirement?
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