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In the previous post, I laid out a truth that tends to land with a dull thud rather than a dramatic crash: there are only three possible retirement outcomes. No matter how complex the strategy, how clever the product, or how confident the forecast, every retirement ends up in one of three places.
This article is about the first—and most problematic—of those outcomes: running out of money before you run out of life.
...After nearly thirty years in the business of retirement income planning, I’ve learned something that surprises people when they hear it plainly: There are only three possible retirement outcomes.
Not three hundred. Not one for every market forecast or economic regime. Not one for each new financial product or political headline. Just three.
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