num_pages: 525
description: Here is a fresh look at lifelong retirement income planning based on 109 years of market history. Extensive research shows that many of the fundamental concepts used in the current retirement planning practice are mostly useless. Myths and untruths about the importance of asset allocation diversification sustainable withdrawal rates efficient frontier time horizon are explained in detail. The futility of the prevailing Gaussian mindset in current investment planning is demonstrated with examples and case studies. The concept of Time Value of Fluctuations non-Gaussian optimum asset allocation the luck factor reverse dollar cost averaging warning signals of diminishing luck various asset allocation dedication and selection strategies are covered in detail. Finally solutions for lifelong income what works and what does not work are offered using numerous examples. The Zone ; strategy that enables you to select and combine all income classes such as investment portfolios life annuities variable annuities with guaranteed withdrawal or guaranteed income in a Perfect Mix for guaranteed lifelong income.
language: English
title: Unveiling The Retirement Myth
publisher: Otar & Associates