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Retirement Income Journal - The information forum of the decumulation industry.
May 2025 Issue
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May 2025

Articles by Author: Craig L. Israelsen, Ph.D.

Hardwired COLA vs. Performance-Based COLA: What’s Best?

By Craig L. Israelsen, Ph.D. Tue, Mar 30, 2021

For retirees who don’t mind slight to moderate reductions in their annual income roughly one-third of the time, we recommend withdrawing a fixed percentage of their portfolio’s ending account...

Published April 1, 2021

Visualizing Retirement Portfolio Survival

By Craig L. Israelsen, Ph.D. Thu, Oct 29, 2020

Our guest columnist, originator of the 7TwelvePortfolio strategy, shares a spreadsheet tool that he uses to engage older clients in conversation about the long-term risks associated with different retirement...

Published October 29, 2020

Maximum Withdrawal Rate: A Historical Perspective

By Craig L. Israelsen, Ph.D. Fri, Sep 11, 2015

We obsess about safe withdrawal rates. But the developer of the "7Twelve Portfolio" shows that anyone retiring from 1970 to 1990 would have vastly underspent by using the '4%...

Published September 11, 2015

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Retirement Income Journal is a weekly, digital-only business-to-business news publication and website for life insurers, asset managers, financial advisors, academics, attorneys, regulators and technology firms worldwide whose products and services help Baby Boomers convert their savings to lifetime income. Established in 2009 and produced by "Annuities for Dummies" author Kerry Pechter, it reaches 7,000 online readers 48 times a year.

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