Certified Financial Planner Board of Standards Inc.

11/05/2024 | Press release | Archived content

How Much Does the Frequency of Retirement Withdrawals Matter

A paper by Stephen Horan, executive editor of CFP Board's Financial Planning Review, explores the impact of withdrawal frequency on investment outcomes, challenging the common belief that more frequent, smaller withdrawals better control risks. Using Monte Carlo simulations, Horan, also an associate professor at the University of North Carolina Wilmington, found that withdrawal rates, volatility and taxes play a more significant role in positive outcomes than the frequency of withdrawals.

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ThinkAdvisor
John Manganaro November 5, 2024