| October 2014
by Jonathan Guyton, CFP®
Twenty years after its original publication, leading planners and academic researchers share their thoughts on the impact Bill Bengen’s seminal “4 percent” paper has had on the planning profession.
to read Bill Bengen's original 1994 article.
by David M. Zolt, CFP®, EA, ASA, MAAA
This article provides withdrawal rates for a variety of scenarios from which advisers can select based on the desired probability of success.
by Ning Tang, Ph.D., and Timothy Lu, Ph.D.Results of this research show that, under reasonable assumptions, households can save up to 130 percent of the loan cost by switching from high-cost loans to 401(k) loans.