Faculty Publications

Document Type

Article

Publication Date

3-27-2017

Abstract

The Financial Planning Association (FPA) divides retirement income strategies into three categories: systematic withdrawals, time-based segmentation and essential-versus-discretionary income. Time-based segmentation provides a middle ground between the two extremes represented by systematic withdrawals (relying on a total-return investment portfolio for all distributions) and essential-versus-discretionary (using insurance-based products to implement a lifetime-income floor before considering investments).

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