Informed Decisions Financial Planning & Money Podcast

Welcome to Informed Decisions Podcast, where we bring you expert insights for Irish investors and retirees. Today, we have a rip-roaring guest joining us - Bill Bengen, the financial planner who literally wrote the book on retirement withdrawals. Back in 1994, Bill's groundbreaking research established what became known worldwide as the "4% rule". This was the cornerstone of retirement planning, that suggests you can safely withdraw 4% of your portfolio annually without running out of money. But here's where it gets interesting for our Irish listeners: Bill has been revisiting his own work, and his latest research suggests that retirees today might actually be able to take 5% from their Approved Retirement Funds over multiple decades, not the traditional 4% many have been following. For those managing ARFs here in Ireland, this could be game-changing news. We know how crucial it is to balance enjoying your retirement years while ensuring your money lasts - it's that delicate dance between living well today an