Your Retirement Income: Confident and Sustainable


Retirement marks a significant shift in your financial life – from accumulating wealth to distributing it. How you withdraw funds from your portfolio can dramatically impact its longevity and your peace of mind. A Fixed Distributions strategy offers a well-researched and disciplined approach to navigating this critical phase.


What are Fixed Distributions?

At its core, a Fixed Distributions strategy involves withdrawing a predetermined percentage of your initial portfolio value each year, typically adjusted annually for inflation. This method provides a predictable income stream, making it easier to budget and plan your expenses in retirement.


Why Consider Fixed Distributions?

  • Predictable Income: Enjoy a consistent flow of funds, helping you manage your lifestyle and expenses without constant worry about market fluctuations.
  • Long-Term Sustainability: Extensive research and historical data analysis inform this strategy, aiming to provide a high probability of your portfolio lasting throughout your retirement, even through challenging market cycles.
  • Inflation Protection: By adjusting distributions for inflation, the strategy helps maintain your purchasing power over time, ensuring your income keeps pace with rising costs.
  • Disciplined Approach: It removes the emotion from withdrawal decisions, preventing impulsive actions that could jeopardize your long-term financial health.
  • Clear Framework: This strategy provides clear guidelines for portfolio allocation (balancing equities and fixed income) and initial withdrawal percentages, empowering you to make informed decisions.


Are Fixed Distributions Right for You?

While offering stability and predictability, Fixed Distributions are particularly well-suited for retirees who have accumulated a sufficient nest egg and are seeking a reliable income stream. For those with a more substantial surplus, or who prefer greater flexibility, there are also "Flexible Distributions" options to consider.