• David H. Kinder, ChFC

Investments will LOWER Your Potential Retirement Income!

Updated: Dec 28, 2019

About 4 years ago, Morningstar Research, Inc., adjusted their recommendations of a 4% "safe" withdrawal rate... to a 2.8% "safe" withdrawal rate.

Morningstar: Time for the 3% Withdrawal Rule?


Seeking Alpha: Is The 4% Rule Becoming The 2% Rule? https://seekingalpha.com/article/3557356-4-percent-rule-becoming-2-percent-rule

Chicago Tribune: The Journey: Study Warns 4% retirement rule is no longer safe


Morningstar: What History Says About Safe Retirement-Withdrawal Rates


So, what does that really mean? It means that, if you're using "traditional" investment portfolios or portfolio management services to manage your retirement portfolios for income... you're safest bet is to only withdraw 2.8% per year to ensure that your money will LAST!

Out of $1,000,000 portfolio, that's only $28,000 per year!

Why so little income? It's due to the nature of long-term bond rates being so low. I'm not an economist, but I'll let Tom Hegna explain the situation as to why we're in such a low interest rate environment:

Now, let me add a little "lemon juice" to the problem:

Won't you be paying either investment broker sales commissions OR an advisory management fee of up to 2-2.5% for you to "enjoy" only 2.8% of your money each year?


What if there was a BETTER way for some, most, or all of your retirement income assets?

What if there was a way to enjoy almost TWICE the money each year and for the REST OF YOUR LIFE - GUARANTEED?

What if you didn't have to PAY ADVISORY FEES (which, over 10 years would add up to 20-25% of your portfolio)... in order to ENJOY that income!

What if... you could DOUBLE some or all of your retirement assets in 10 years before taking lifetime retirement income?

None of this is theory or "pie-in-the-sky". You can guarantee a worry-free retirement income for you and your family TODAY by using today's annuity products! What is an annuity? An annuity is simply cash flow that keeps coming in year after year. Let me paint you a picture of how this could work for a 55 year old and has $500,000 of retirement assets: - He puts $500,000 into a Fixed Indexed Annuity that grows an income value at 7.2% per year, each year, for 10 years. (If you know the rule of 72: 72/7.2% = 10 years to double your money!)

- At age 65, he can pull out 5% of the $1,000,000 income value, or $50,000 per year, EVERY year for the rest of HIS life!

- If he's married and wants JOINT lifetime income, it would be reduced to 4% for $40,000 per year, EVERY year for BOTH of their lives! This is certainly a FAR cry from the measly 2.8% that Morningstar would recommend out of a traditionally managed investment portfolio! Are annuities right for everyone? Of course not! Are they right for ALL of your retirement assets? Maybe! Maybe not! But they certainly solve a huge RETIREMENT CASH FLOW problem that most people may have, particularly as people are living longer and there is uncertainty in stock market volatility. If you are a California resident, you may contact me for a telephone or in-person consultation to determine if an annuity may be right for your situation.

David H. Kinder | Lifetime Tax & Wealth Educator

Dynamic Advanced Insurance, Financial, and Retirement Strategies


3578 Atchison Circle
Riverside, CA  92503-5166 

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David H. Kinder, ChFC® is regulated by the California Department of Insurance as a life, accident & health insurance agent (CA Insurance License #0E54187)​.  This communication is strictly intended for individuals residing in the state(s) of CA. No offers may be made or accepted from any resident outside the specific states referenced until proper state insurance licensing and company appointments are secured for that given state. David Kinder Insurance and Financial Solutions is the marketing name for David H. Kinder, ChFC® and is not affiliated with any other company.  Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Guarantees do not apply to the performance of any particular index option on fixed indexed insurance contracts, or on projected dividends on participating insurance contracts.  Not all recommendations necessarily require insurance product purchases. Not all products are appropriate or available for all situations. Results are not guaranteed and are subject to individual situations and circumstances. Listing company client access links under the "Client Access" menu does not constitute any endorsement, filing, or approval of this website or its content by such listed companies.  Client access links are provided for client convenience only.

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