Do you want to be in the 1% of people who know a better withdrawal strategy in retirement? Vanguard's research has shown that this strategy can increase income withdrawals and the end value of your pot compared to conventional withdrawal methods...


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This video is for education purposes only and does not represent financial advice. When investing, your capital is at risk. Investments can rise and fall and you may get back less than you invested. Past performance is no guarantee of future results. If you are unsure of what to do, always seek advice from a qualified financial adviser.


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✅ ABOUT DYNAMIC SPENDING ✅
Most people use one of two withdrawal strategies in retirement, but both can carry risks...

The well known 4% rule is an example of a 'pound plus inflation' withdrawal strategy, which can lead to a higher chance of your money running out during retirement.

Other people use a 'percentage of value' or 'percentage of portfolio' approach, and while this will ensure you don't run out of money, it will also see your income swing widely from year to year.

Dynamic Spending aims to provide a better combination of both of these methods to protect your capital more but stabilise your income, while also increasing your withdrawal potential.

In this video I explain Vanguard's research on Dynamic Spending, and provide simple examples of how you can apply Dynamic Spending to your own situation.


⏰ TIMESTAMPS ⏰
0:00 Start
1:39 The Two Most Common Methods, and Why They Fail
4:02 Dynamic Spending and How It Works
5:43 Vanguard's Dynamic Spending Research Findings
10:46 How To Apply Dynamic Spending Yourself

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