Since early retiring, he’s been traveling a lot with his wife and daughter, and he writes extensively on his blog, Early Retirement Now, about financial planning for early retirement with special emphasis on analyzing safe withdrawal rates in retirement. He worked at the Federal Reserve Bank of Atlanta and also at the Bank of New York Mellon in the asset management group in San Francisco. He’s also an early retiree who FIREd a couple of years ago at age 44.īut before that, he taught economics at Emory University. My guest today is Karsten Jeske, who also goes by the nickname “Big ERN.” Karsten has a PhD in economics and is a chartered financial analyst. I hope you enjoy the conversation as much as I did. Our conversation was so substantive that I ended up deciding to break this up into two episodes: part one today, which covers a lot of the theory and underpinnings behind these two concepts, and part two next week, where we cover mitigation strategies for reducing our exposure to sequence of returns risk. Schedule a private 1:1 consultation with meįor today’s episode, I invited an economist to come talk to us about safe withdrawal rates and sequence of returns risk in retirement.Asset allocation: Is rental real estate a safer type of “yield shield”? (HYW070).Asset allocation: Does the “yield shield” really protect against sequence of returns risk? (HYW069).Asset allocation: How to use a bond tent to reduce sequence of returns risk (HYW068).Early Retirement Now Safe Withdrawal Rate Series. If you liked this episode, would you please leave a quick review on Apple Podcasts? It’d mean the world to me and your review also helps others find my podcast, too! Links mentioned in this episode: I need your help, please leave a listener review □ If you liked this episode, be sure to subscribe so you don’t miss any upcoming episodes! Have you analyzed your safe withdrawal rate? Do you think it is more or less than 4%? 3%? Let me know by leaving a comment when you’re done.ĭon’t miss an episode, hit that subscribe button… Why sequence of returns risk is front-loaded for early retirees but back-loaded for wage earners.
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