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It’s never too early to plan for retirement
A standard model for retirement planning — a 4 percent annual withdrawal rate over 30 years — is almost two decades old. Retirement planners based their research on stock and bond returns that occurred during the 1920s through 1960s. When considering your retirement planning horizon, ask yourself whether 30 years is the right time period. Various factors listed below may affect your planning horizon. Read more…
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