The Prudent Man’s Rule

Don’t Outlive Your Money

The prudent man’s rule is also known as the 4% rule. This is so important -- because many retirees have money in their investment portfolio that they'll depend on for retirement income -- and they don't want to outlive it or spend it too quickly. The prudent man's rule addresses this concern and provides a guideline for avoiding many things that can help decrease your retirement savings.

The prudent man’s rule suggests that you could take 4 to 5% out of your investment accounts per year without risk of depleting the account within your lifetime.  But if you’re pulling those funds from aggressively placed investments you do risk depleting the accounts and may need to shift things around.

It is all explained here, in this video. You’ll see it plainly on the whiteboard, how making a few shifts in the placement of your assets in alternatives to investments, such as annuities, can allow you the freedom to implement the prudent man's rule and take out the income you need.  You just need to know if you’re pulling that money from the right place before you make a move.

In using Fixed Indexed Annuities (FIAs) in conjunction with a Guaranteed Lifetime Income Rider (GLIR), you can guarantee yourself that you will never outlive your money.

Dedicated To Getting You To Retirement And Keeping You There.

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