How Retirement Investment Strategy Impacts Retirement Spending
The article discusses how different retirement investment strategies affect income replacement in retirement. It explores four strategies: 100% ACWI ETF, 60% ACWI/40% AGG ETF, 20% ACWI/80% AGG ETF, and a transition strategy from 100% ACWI to 60/40 at retirement. The analysis includes a sample case with a goal to replace 70% of pre-retirement income, highlighting potential shortfalls and strategies to close the income gap, such as increasing contributions, delaying retirement, and adjusting lifestyle expectations.