Retirement withdrawal: when to start and safe rates
Scott Burns analyzes the 4 percent rule and how delaying retirement may lower the required horizon. Trinity Study findings show 4 percent to 5 percent initial withdrawals work well for 15 to 20 years in mixed portfolios, but 6 percent lowers survival and 7 percent is unlikely. Consider age 70 or 75 with cautious withdrawal plans.
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Housing starts slip in November dipping pace amid slower wages
U S housing starts and permits fell in November with groundbreaking at a seasonally adjusted annual pace of 1.028 million units, revised up from 1.045 million for starts. The decline was led by single family homes down 5.4 percent to 677,000 units as wage growth remains tepid but job gains suggest a future pickup.
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