Retirement planning is easier than you think



By Scott Burns

If we didn’t try so hard, retirement planning would be easier. Perhaps better (or perfect) is the enemy of good.

Now consider the notion that the simple solution is the best solution. It can answer the two questions that vex people the most:

How much can I spend from retirement investments and maintain purchasing power?

Will I run out of money before I die?

In fact, we can answer those questions using two simple tools. The first is a dirt-cheap, no-brainer-simple index fund portfolio. The second is limiting our retirement spending to Required Minimum Distributions. That’s right: Those pesky IRS rules that tell us how much to take from our retirement accounts turn out to be a good guide for spending.

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