- Most institutions are forecasting lower expected returns for traditional asset classes compared to historical realized levels.
- Rules based upon historically realized numbers – like the 4% withdrawal rule – may fail going forward.
- Should we simply accept lower withdrawal rates in our financial plan? Is there a silver bullet to over-coming this return gap problem?
- In this presentation, we offer 8 ideas: a diversified set of marginal improvements that taken together can compound and have a large impact on investor results.
(You can also access the above presentation here.)