Why the "RMD Withdrawal Strategy" May Be Disastrous

Podcast: Managing Your Financial Future with Lucia Capital Group · Lucia Capital Group

Opublikowano: 2026-03-17

Have you heard of the "RMD-style" retirement withdrawal strategy? It involves taking a percentage of your portfolio each year based on life expectancy tables, which, on paper, ensures you never fully deplete your account. But retirement is not lived on paper. Think about this: If your income changes every year based on market performance, what happens after a down year? Would you be comfortable taking a pay cut because your portfolio value dropped? If a formula built to avoid running out of money doesn't also protect your monthly cash flow, that is a seriously flawed approach. <...