Philadelphia Reflections

The musings of a physician who has served the community for over six decades

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Financial Planning for a Long Retirement

How should individual investors ensure they have enough money for retirement?

Such a person is often a professional or entrepreneur who has worked to accumulate the wealth. Legions of "advisors"line up to take this money and manage it or else to sell "products" that promise to solve some problem or other. Without this background, extra savings will be needed, to buy advice. And advice is not invariably reliable.

A person who has created his/her career and its wealth from scratch, can likely manage investments themselves, or at least supervise the process from a position of strength from observation. Reliable advice is not always cheap.

This collection of articles explains to the individual investor how to take control of their wealth. They may eventually decide to look for help from an advisor but they will retain control of their assets and they will know what to do.

Financial Planning videos on YouTube

Retirement Planning

Originally published: Monday, January 28, 2008; most-recently modified: Tuesday, April 23, 2019

Post brought me to think, went to mull over!!....
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Read, of course, far from my topic. But still, we can work together. How do you feel about trust management?!....
Posted by:   |   Feb 13, 2012 9:13 AM
Thanks for noticing. We are shrinking the file size of the images, which is the main slow-down. However, we have several thousand images, so please be patient.
Posted by: George Fisher   |   Jun 3, 2008 4:30 PM
I'm enjoying your financial articles; but I find that the website takes a long time to finish loading even though I'm on a DSL connection.
Posted by: Marathonwmn   |   Jun 3, 2008 1:34 PM
very nice set of articles. I got here via your post introducing yourself in the ER Forum
Posted by: Alan   |   Feb 15, 2008 7:26 PM
Let's revise the earlier comment. When retirement need exceed resources, you can tighten the belt and not spend so lavishly. However, the younger person contemplating a bleak retirement has one other option: don't retire so young. His best plan is to find a sweet spot between retiring x years later, and spending y dollars less when he does.
Posted by: George Fisher   |   Feb 8, 2008 11:35 AM
The answer to

"How much can I withdraw from a fixed portfolio?"

is 4% a year.
Posted by: g4   |   Feb 1, 2008 9:01 AM