『How Longevity Risk Changes Your Retirement Spending Plan』のカバーアート

How Longevity Risk Changes Your Retirement Spending Plan

How Longevity Risk Changes Your Retirement Spending Plan

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Retirees often plan for a 30-year horizon, but what if you live to 100? In this episode of Wealth Building with Fexingo, Lucas and Luna explore how longevity risk — the chance of outliving your savings — forces a rethink of withdrawal strategies. Using the example of a 65-year-old couple with a $1 million portfolio, they walk through why a static 4% rule fails when lifespans stretch past 40 years. Instead, they discuss dynamic spending rules, annuities, and the role of deferred Social Security as buffers. The episode also touches on how sequence-of-return risk amplifies longevity risk in the first decade of retirement. No scare tactics — just practical math and trade-offs for listeners who want their nest egg to last as long as they do. #LongevityRisk #RetirementPlanning #WithdrawalRate #SequenceOfReturnRisk #ActuarialScience #DynamicSpending #Annuities #SocialSecurity #PersonalFinance #RetirementIncome #MortalityTables #LifeExpectancy #FinancialPlanning #WealthManagement #Finance #FexingoBusiness #BusinessPodcast #WealthBuildingWithFexingo Keep every episode free: buymeacoffee.com/fexingo
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