Bill Bengan published a study in the Journal of Financial Planning in 1994 that introduced the 4% withdrawal rule. His study recommended initially withdrawing 4% from your portfolio to ensure you will not run out of money in retirement.    The financial industry ran with this recommendation ever since.    JP Morgan projects the following on a typical portfolio:  Withdrawal Rate       Likelihood of not running out of Money     3%                            95 - 100%     4%                            85 - 90%     5%                            65 - 70%     6%                            40 - 45%  If you increase your withdrawal rate, your likelihood of success decreases significantly.   Current Guaranteed Lifetime Income withdrawal rates:    - Age 65: 7.5% guaranteed for life    - Age 75: 8.5% guaranteed for life    - Rates increase if you are older   You can increase your income significantly with 100% likelihood of success. You cannot outlive your income.     This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.See omnystudio.com/listener for privacy information.

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