#189: Learn to master retirement market risks and safe withdrawal rates with finance expert Karsten Jeske. We explore key strategies like the 4% rule, sequence of return risk, and delve into roles of taxes, annuities, inflation protection, portfolio allocation, and even the psychological aspects of retirement planning.
Karsten Jeske is the founder of Early Retirement Now, a blog where he shares his expertise in retirement planning, safe withdrawal rates, and financial independence. He has a PhD in economics and is a Chartered Financial Analyst.
Link to Full Show Notes: https://chrishutchins.com/how-to-retire-early-karsten-jeske
Partner Deals
MasterClass: Learn from the world's best with 15% off
Bilt Rewards: Earn the most valuable points when you pay rent
Daffy: Free $25 to give to the charity of your choice
DeleteMe: 20% off removing your personal info from the web
Fabric: Affordable term life insurance for you and your family
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Karsten Jeske: Blog | X | LinkedIn
Safe Withdrawal Rate Series
Part 14 & Part 15: Sequence of Return Risk
Part 28: Free DIY Withdrawal Rate Toolbox
Part 35: Asset Location
Part 43: Pre-Retirement Glidepaths
Part 61: Safety First
Blog Post: Stealth Frugality
Shiller CAPE Ratio
Alpha Architect 1-3 Month Box ETF: BOXX
Blog For Tax Optimization: Go Curry Cracker
ATH Podcast:
Ep #2: Financial Independence Without a Six Figure Salary with Brad Barrett
Ep #141: The Spectrum of Financial Independence and Tools to Track Your Progress with Brad Barrett
Follow & Review on Apple Podcasts
Email us for questions, tips, deals and feedback
Full Show Notes
(00:00) Introduction
(02:00) Should Everyone Retire Early?
(05:09) The Rule of 4% as a Guideline
(09:46) The Role of Longevity in the 4% Rule
(12:46) Using Historical Data for Retirement Simulations
(19:11) Sequence of Return Risk: What It Means & What to Do About It
(23:51) Strategies to Mitigate the Sequence of Return Risk
(30:41) The Flexibility of Safe Withdrawal Rates
(37:49) How to Adjust Withdrawal Rates Based on Current Market Conditions
(45:53) The Reverse Glide Path Strategy
(49:30) The Impact of Inflation on Retirement Planning
(57:03) Evaluating Annuities
(59:40) Ways to Consider Tax Optimization Strategies
(1:04:29) How to Think About Portfolio Allocation During Accumulation
(1:12:25) The Role of International Diversification in Equity Allocation
(1:16:57) Karsten's View on Tax Loss Harvesting
(1:20:34) Asset Location
(1:22:35) Is Adding Leverage to Your Equity Worth It?
(1:26:41) Advice for Someone Early in the Accumulation Phase
(1:28:27) Stealth Frugality
(1:29:39) How Do People Spend During Retirement?
Connect with Chris
Newsletter | Membership | Twitter | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Beyond the 4% Rule: Smarter Strategies for Financial Independence with Karsten Jeske | All the Hacks with Chris Hutchins podcast - Listen or read transcript on Metacast
