Safe Withdrawal Strategies: A Deep-Dive

with Karsten "Big Ern" Jeske, PhD, CFA

While the 4% Rule may be a reasonable initial estimate, all retirees should target a more personalized withdrawal strategy. Your safe withdrawal rate can vary substantially depending on market conditions, especially equity valuations, but also personal parameters, like age, supplemental cash flows, bequest targets, etc. In his presentation, Karsten will discuss his extensive research on safe withdrawal rates and share his approach to personalized retirement planning, including his (free) withdrawal strategy simulation tool, asset allocation recommendations, and more.

Karsten Jeske lives across the river in Camas, WA. He retired in 2018 at age 44 and blogs at EarlyRetirementNow.com on all finance-related topics, especially the challenges of retirement safe withdrawal strategies. Karsten previously worked at the Federal Reserve Bank of Atlanta and the Bank of New York Mellon. He also taught economics at Emory University and UC Berkeley. He holds an M.A. and Ph.D. in economics from the University of Minnesota and the Chartered Financial Analyst (CFA) designation.