Insights
Evergreen guides and deep dives on retirement planning.
May 31, 2026
Does the 4% rule work outside the US?
The 4% rule was built on US markets and dollar spending. Could it travel abroad? Maria kept her money in Germany; Ben kept his in US stocks but spends ringgit.
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January 25, 2026
Guyton-Klinger: Dynamic Withdrawal Strategy with Guardrails
Guyton–Klinger uses guardrails to raise, freeze, or cut retirement spending based on market performance. Here’s how it works, plus an interactive backtest.
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January 1, 2026
The 4% Withdrawal Rule meets Longevity Risk
Lower expected returns and non-standard retirement horizons (early retirement, couples, longer lifespans) makes revisiting 4% rule necessary.
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December 14, 2025
Longevity Risk in Financial and Retirement Planning
The financial risk of living too long.
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November 23, 2025
The Flaw of Averages: Sequence of Returns Risk and Volatility Drag in Retirement
Why Sequence-of-Returns Risk and Volatility Drag make deterministic models dangerous for the retiree.
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July 1, 2025
Meet Actuaplan your personal Monte‑Carlo planner
Retirement is more than averages—it's about volatility, longevity, and resilience. Here's how Actuaplan helps you prepare.
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