{"product_id":"a-richer-retirement-supercharging-the-4-rule-to-spend-more-and-enjoy-more-hardcover","title":"A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More - Hardcover","description":"\u003cdiv\u003e\u003cp style=\"text-align: right;\"\u003e\u003ca href=\"https:\/\/reportcopyrightinfringement.com\/\" target=\"_blank\" rel=\"nofollow\"\u003e\u003cb\u003eReport copyright infringement\u003c\/b\u003e\u003c\/a\u003e\u003c\/p\u003e\u003c\/div\u003e\u003cp\u003eby \u003cb\u003eWilliam P. Bengen\u003c\/b\u003e (Author)\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003e\u003cb\u003eKnow exactly how much you can safely spend each year after you retire without outliving your nest egg\u003c\/b\u003e \u003c\/p\u003e\u003cp\u003eIn \u003ci\u003eA Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More, \u003c\/i\u003e entrepreneur, researcher, and financial planner, William P. Bengen, delivers a straightforward, soup-to-nuts guide for maximizing your withdrawals from your investment accounts during your retirement. The author explains how you can draw heavily on your retirement accounts without spending yourself into premature poverty. \u003c\/p\u003e\u003cp\u003eThis book is a comprehensive roadmap to constructing your personal retirement withdrawal plan. You'll learn how to compute a low-risk maximum withdrawal rate so that you can enjoy your retirement savings to the utmost. You'll also discover guidance on why and how to adjust your withdrawals during retirement to help make sure that your accounts last your entire life. \u003c\/p\u003e\u003cp\u003eYou'll also find: \u003c\/p\u003e\u003cul\u003e \u003cli\u003eThe eight elements of a comprehensive personal retirement withdrawal plan\u003c\/li\u003e \u003cli\u003eTechniques for selecting your withdrawal rate based on the eight elements, inflation, and stock market valuation\u003c\/li\u003e \u003cli\u003eA template for your withdrawal plan that will help you recognize if you're overspending (or underspending!) and exactly how to address that issue\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003ePerfect for well-informed laypeople entering, nearing, or in retirement, \u003ci\u003eA Richer Retirement\u003c\/i\u003e is a can't-miss retirement playbook for everyone who wants to make the most of their retirement savings without outliving their nest egg. It's also an essential read for financial professionals who serve clients in or close to retirement.\u003c\/p\u003e\u003ch3\u003eFront Jacket\u003c\/h3\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eIn \u003ci\u003eA Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More, \u003c\/i\u003e William P. Bengen, an entrepreneur, researcher, and financial planner delivers an easy-to-understand, soup-to-nuts guide for maximizing your withdrawals from your investment accounts during your retirement. Bengen explains how you can draw heavily on your retirement accounts without incurring undue risk or spending yourself into premature poverty. \u003c\/p\u003e\u003cp\u003eThis book is a detailed roadmap to creating your personal retirement withdrawal plan. You'll learn how to compute a maximum withdrawal rate compatible with your family's risk tolerance, allowing you to enjoy your retirement savings as much as possible. You'll also discover guidance on when, why, and how to adjust your withdrawals during retirement to make sure that your savings last your entire life. \u003c\/p\u003e\u003cp\u003e\u003ci\u003eA Richer Retirement\u003c\/i\u003e explains the eight elements of a comprehensive, low-risk personal retirement withdrawal plan, as well as specific techniques for selecting your withdrawal rate based on those elements, inflation, and stock market valuations. The author also includes five withdrawal plan case studies that will help you recognize if you're over- or under-spending and how to properly adjust the pace of your withdrawals. \u003c\/p\u003e\u003cp\u003eBengen walks you through concepts like \"SAFEMAX\" -- a historically \"safe\" withdrawal rate -- and the materiality of the risk of running out of money in retirement. \u003c\/p\u003e\u003cp\u003ePerfect for anyone entering, nearing, or already in retirement, \u003ci\u003eA Richer Retirement\u003c\/i\u003e is a must-read playbook for those who want to make the most of their savings and retirement accounts without outliving their nest egg. It's also an essential resource for financial professionals and planners who serve clients preparing for or in retirement.\u003c\/p\u003e\u003ch3\u003eBack Jacket\u003c\/h3\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003e\u003cb\u003ePraise for A RICHER RETIREMENT\u003c\/b\u003e \u003c\/p\u003e\u003cp\u003e\"Bill Bengen has delivered a tour de force of retirement planning. Although written for retail clients, financial advisors and other professionals will benefit from his analysis of the most difficult problem facing retirement planners: how to make one's 'nest egg' last a lifetime. Bengen has quantified the elements and risks underlying how much retirees can spend over a 30-year (or sometimes longer) retirement horizon.\"\u003cbr\u003e \u003cb\u003e--ROBERT HUEBSCHER, \u003c\/b\u003e Founder of Advisor Perspectives, and former Vice Chairman, VettaFi and the Toronto Stock Exchange \u003c\/p\u003e\u003cp\u003e\"No other researcher has explored so deeply how to navigate the complexities of safely taking income out of a retirement portfolio or explained it so clearly that even a novice investor can understand the how and why.\"\u003cbr\u003e \u003cb\u003e--BOB VERES, \u003c\/b\u003e Owner, Inside Information \u003c\/p\u003e\u003cp\u003e\"How much retirees can reasonably spend in retirement is the hardest problem in financial planning, and no one has studied it for as long and with as much rigor as William Bengen. \u003ci\u003eA Richer Retirement\u003c\/i\u003e builds upon his seminal research with the goal of helping retirees maximize their incomes and live their best lives. Chock-full of data and astute observations, it's a tremendous resource for both retirees and their financial advisors.\"\u003cbr\u003e \u003cb\u003e--CHRISTINE BENZ, \u003c\/b\u003e Director of Personal Finance and Retirement Planning, Morningstar \u003c\/p\u003e\u003cp\u003e\"Bill Bengen introduced the field of retirement income planning to financial professionals and academics. This book provides a deeper dive into the factors that influence how much a retiree can safely withdraw from investments to create a lifestyle. How should a retiree deal with investment risk, inflation, the high price of stocks, and longer lifespans? In a style that is both comprehensive and a delight to read, Bill demystifies investing and spending for today's retiree.\"\u003cbr\u003e \u003cb\u003e--MICHAEL FINKE, \u003c\/b\u003e Professor and Expert in Retirement Investing, Income Planning, and Life Satisfaction \u003c\/p\u003e\u003cp\u003e\"For the past thirty years, William Bengen's sustainable spending research has served as the heart and soul of the 'Total Return' retirement income style. \u003ci\u003eA Richer Retirement\u003c\/i\u003e documents all he has learned and pushes the analysis forward with new techniques for maximizing the spending power of your retirement investments.\"\u003cbr\u003e \u003cb\u003e--WADE PFAU, PhD, CFA, RICP, \u003c\/b\u003e Author of \u003ci\u003eRetirement Planning Guidebook: Navigating the Important Decisions for Retirement Success\u003c\/i\u003e \u003c\/p\u003e\u003cp\u003e\"Bengen delivers a well-researched, rigorous, and readable book that clearly presents the methodology and assumptions required to develop a safe withdrawal rate while providing valuable insights into the risks of withdrawal strategies in retirement. Importantly he shows how to manage the strategy throughout retirement.\"\u003cbr\u003e \u003cb\u003e--LARRY SWEDROE, \u003c\/b\u003e Author of 18 books on investing, including \u003ci\u003eEnrich Your Future\u003c\/i\u003e\u003c\/p\u003e\u003ch3\u003eAuthor Biography\u003c\/h3\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003e\u003cb\u003eWILLIAM P. BENGEN\u003c\/b\u003e is a financial researcher and former Certified Financial Planner licensee. He's an expert in the sustainability of withdrawals from stock and bond portfolios and is frequently quoted in major financial publications. He's a recipient of the NAPFA's Robert J. Underwood Distinguished Service Award.\u003c\/p\u003e\n            \u003cdiv\u003e\n\u003cstrong\u003eNumber of Pages:\u003c\/strong\u003e 272\u003c\/div\u003e\n            \u003cdiv\u003e\n\u003cstrong\u003eDimensions:\u003c\/strong\u003e 0.97 x 9.15 x 6.23 IN\u003c\/div\u003e\n            \u003cdiv\u003e\n\u003cstrong\u003ePublication Date:\u003c\/strong\u003e August 05, 2025\u003c\/div\u003e\n            ","brand":"BooksCloud","offers":[{"title":"Default Title","offer_id":51964796993837,"sku":"9781394343171","price":24.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0938\/3185\/6429\/files\/a-richer-retirement-supercharging-the-4-rule-to-spend-more-and-enjoy-more-hardcover-4454110.webp?v=1775470145","url":"https:\/\/ishookbooks.com\/products\/a-richer-retirement-supercharging-the-4-rule-to-spend-more-and-enjoy-more-hardcover","provider":"iShook Books","version":"1.0","type":"link"}