This video is for educational purposes only regarding the current retirement planning system and MPI ® Secure Compound Interest Account and some of its features, benefits and risks. For complete details and free access to the online video series, “Compound Interest: The Retirement You Deserve” visit www.CompoundInterest.com.

MPI ® results are based on a 6.4% growth rate plus the 4% RELOC Feature using an Indexed Universal Life Insurance Policy for a preferred Health rated 30 Year Old Male.

If your not 110% confident in your current retirement plan then please allow me to meet with you to see if we can’t help you be 110% confident by filling any gaps that may exist.

I’m here to help those willing to listen and commit get up to 300% more in their retirement income.

Comment below and go to my website to schedule a brief discovery meeting with me now.

Dr. Dylan Foster – Estate and retirement planning Specialist
www.YourRetirementGenie.com
www.CompoundInterest.com
Dylan@fppfinancial.com

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Get the Most out of Your Retirement Plan: MPI’s 10% Rule vs Qualified Funds’ 4% Rule

Planning for retirement is a crucial step to ensure financial security and a comfortable lifestyle after leaving the workforce. Two widely known strategies for structuring retirement income are MPI’s 10% rule and the 4% rule for qualified funds. While both methods have their merits, understanding their differences can help you make an informed decision about which approach suits your retirement goals and financial circumstances.

MPI’s 10% Rule:

MPI (Meaningful Portfolio Insight) is a financial planning strategy that emphasizes a dynamic approach to investing. According to MPI’s 10% rule, individuals can withdraw 10% from their portfolio annually during retirement without compromising the account’s long-term stability. The concept behind this rule is to maintain a diversified investment portfolio that can endure market volatility and still generate consistent income.

The 10% rule considers factors such as a retiree’s age, risk tolerance, and life expectancy, creating a customized plan to maximize income sustainably. MPI’s approach differs from the more conservative 4% rule by allowing for a higher withdrawal rate. This flexibility can lead to a potentially higher overall income during retirement, especially during favorable market conditions.

Qualified Funds’ 4% Rule:

The 4% rule, on the other hand, has been a popular retirement strategy for decades. It suggests that retirees withdraw 4% of their initial retirement savings every year to provide a sustainable income throughout their retirement years. Qualified funds refer to retirement accounts like 401(k)s or IRAs that offer tax advantages, but they also often come with restrictions and penalties for early withdrawals.

This rule is based on historical market data and assumes that a 4% withdrawal rate, adjusted for inflation annually, will allow the retiree’s portfolio to last for around 30 years. By adhering to the 4% rule, retirees aim to strike a balance between enjoying their hard-earned savings and maintaining the longevity of their funds.

Comparing the Two Approaches:

While both methods aim to create sustainable income throughout retirement, they differ in their underlying assumptions and flexibility. The 10% rule allows for a higher annual withdrawal rate, ensuring retirees can enjoy a better lifestyle during their golden years. MPI’s strategy considers individual investment portfolios’ dynamics and adjusting withdrawal rates based on changing market conditions.

On the other hand, the 4% rule takes a more conservative approach, assuming a lower withdrawal rate to safeguard against market fluctuations and inflation. This strategy can be more appropriate for individuals with lower risk tolerance or longer life expectancies, providing a safety net to sustain income for an extended period.

The right retirement income strategy for you will depend on your personal circumstances, risk tolerance, and financial goals. Engaging with a professional financial planner can help you assess which approach aligns best with your needs.

Conclusion:

Planning for a successful retirement is a complex task, and selecting a suitable income strategy is a significant part of the process. Whether you choose MPI’s 10% rule or qualified funds’ 4% rule, it is crucial to consider your risk tolerance, investment portfolio, and desired lifestyle during retirement.

MPI’s 10% rule offers flexibility and the potential for higher income, utilizing a dynamic investment approach. On the other hand, the 4% rule for qualified funds ensures a conservative approach to maintain longevity in retirement. By understanding the nuances of each strategy, you can make an informed decision and get the most out of your retirement plan.