Drawing Retirement Income is a Science

Toronto-based fee-for-service financial planner and Unconventional Wisdom blogger Ed Rempel works in his waterfront office/condo in Toronto, Ont. on Friday, February 17, 2017. (J.P. Moczulski/The Globe and Mail)

I was recently interviewed by the Globe and Mail about my research on how much you can safely withdraw from your investments after you retire.

I analyzed 150 years or actual data on stock & bond markets and inflation to find out the exact success rates of different withdrawal amounts and methods.

I found that the “4% Rule” often used by financial planners has not been reliable with interest-focused investments, but has been with equity-focused investments.

The “4% Rule” says to withdraw 4% of your investments the year you retire and then just increase that amount by inflation for the rest of your life. It is a formula.

I found that you can withdraw more if you manage it the right way, not just follow a formula. I analyzed different methods of managing it and found you can withdraw up to 6% per year if you manage it the right way.

Click here for the article:


Watch for my article on this blog with the details shortly (or sign-up for email updates).



Planning With Ed


Ed Rempel has helped thousands of Canadians become financially secure. He is a fee-for-service financial planner, tax  accountant, expert in many tax & investment strategies, and a popular and passionate blogger.

Ed has a unique understanding of how to be successful financially based on extensive real-life experience, having written nearly 1,000 comprehensive personal financial plans.

The “Planning with Ed” experience is about your life, not just money. Your Financial Plan is the GPS for your life.

Get your plan! Become financially secure and free to live the life you want.

1 Comment

  1. Jimmyj on February 24, 2017 at 8:30 AM

    Congrats on the article Ed. Looking forward to reading more details in your post!

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