Morningstar Advisor Catalog 2008 - 9

1 866 391-4730 http://global.morningstar.com/US/PresentationMaterials View tutorials and sample PowerPoint content and images. Withdrawal Risk When you reach retirement, you face a lot of changes, from your daily routine to your financial situation. Perhaps the biggest financial challenge you will ever face is the transition from earning money and accumulating assets to a phase in which you are spending down your hard-earned assets. Developing a plan for spending down your assets can be extremely challenging, especially since you won’t know how long you’ll live. Withdrawal risk refers to the risk of drawing down your assets too aggressively to meet your spending needs, with the possibility of depleting your assets before you die. It’s a risk that keeps many retirees up at night. What is a reasonable withdrawal rate? When approaching retirement, the first question many investors ask is how much money they can safely take from their portfolio each year. A simplistic way of looking at this is a withdrawal rate, expressed as a percentage of your investment assets. The withdrawal rate you can sustain may be lower than you think Average: 1926–2005                Historically, as shown above, withdrawal rates that could support an investor over a typical 30-year retirement, have varied from 4% to 5.6%, depending on the asset allocation of the portfolio. Of course, if you lived longer than 30 years, these withdrawal rates would need to be lower. Many investors are too optimistic and hope to withdraw 10% or more of their portfolio annually to support their desired retirement lifestyles, which is sure to deplete their portfolio rapidly. This is especially true in down periods in the market, such as 1999–2002. Other investors are too pessimistic; they construct a portfolio of CDs, bonds, and dividend-paying stocks and only withdraw interest and dividends from their portfolio, vowing never to touch principal. ©2006 Morningstar, Inc. All rights reserved. Morningstar and the Morningstar logo are either trademarks or service marks of Morningstar, Inc. For illustrative/educational purposes only. Should not be viewed as Morningstar, Inc. providing investment, tax or legal advice. Please contact your financial professional regarding such services. Principia Presentations & Education is the easiest way for advisors to prepare for presentations and to provide clients with authoritative answers to investment questions on a wide variety of topics. 9
http://global.morningstar.com/US/PresentationMaterials

Morningstar Advisor Catalog 2008

Table of Contents for the Digital Edition of Morningstar Advisor Catalog 2008

Morningstar Advisor Catalog 2008
Contents
Communication
Research
Software
Investment Services
Community
Morningstar Advisor Catalog 2008 - Morningstar Advisor Catalog 2008
Morningstar Advisor Catalog 2008 - Contents
Morningstar Advisor Catalog 2008 - 1
Morningstar Advisor Catalog 2008 - Communication
Morningstar Advisor Catalog 2008 - 3
Morningstar Advisor Catalog 2008 - 4
Morningstar Advisor Catalog 2008 - 5
Morningstar Advisor Catalog 2008 - 6
Morningstar Advisor Catalog 2008 - 7
Morningstar Advisor Catalog 2008 - 8
Morningstar Advisor Catalog 2008 - 9
Morningstar Advisor Catalog 2008 - Research
Morningstar Advisor Catalog 2008 - 11
Morningstar Advisor Catalog 2008 - 12
Morningstar Advisor Catalog 2008 - 13
Morningstar Advisor Catalog 2008 - 14
Morningstar Advisor Catalog 2008 - 15
Morningstar Advisor Catalog 2008 - 16
Morningstar Advisor Catalog 2008 - 17
Morningstar Advisor Catalog 2008 - Software
Morningstar Advisor Catalog 2008 - 19
Morningstar Advisor Catalog 2008 - 20
Morningstar Advisor Catalog 2008 - 21
Morningstar Advisor Catalog 2008 - 22
Morningstar Advisor Catalog 2008 - 23
Morningstar Advisor Catalog 2008 - 24
Morningstar Advisor Catalog 2008 - 25
Morningstar Advisor Catalog 2008 - 26
Morningstar Advisor Catalog 2008 - 27
Morningstar Advisor Catalog 2008 - 28
Morningstar Advisor Catalog 2008 - 29
Morningstar Advisor Catalog 2008 - 30
Morningstar Advisor Catalog 2008 - 31
Morningstar Advisor Catalog 2008 - 32
Morningstar Advisor Catalog 2008 - 33
Morningstar Advisor Catalog 2008 - 34
Morningstar Advisor Catalog 2008 - 35
Morningstar Advisor Catalog 2008 - 36
Morningstar Advisor Catalog 2008 - 37
Morningstar Advisor Catalog 2008 - Investment Services
Morningstar Advisor Catalog 2008 - 39
Morningstar Advisor Catalog 2008 - 40
Morningstar Advisor Catalog 2008 - 41
Morningstar Advisor Catalog 2008 - Community
Morningstar Advisor Catalog 2008 - 43
Morningstar Advisor Catalog 2008 - 44
Morningstar Advisor Catalog 2008 - 45
Morningstar Advisor Catalog 2008 - 46
Morningstar Advisor Catalog 2008 - 47
Morningstar Advisor Catalog 2008 - 48
Morningstar Advisor Catalog 2008 - Cover3
Morningstar Advisor Catalog 2008 - Cover4
https://www.nxtbook.com/nxtbooks/morningstar/magazine_2023q1
https://www.nxtbook.com/nxtbooks/morningstar/magazine_2022q4
https://www.nxtbook.com/nxtbooks/morningstar/magazine_2022q3
https://www.nxtbook.com/nxtbooks/morningstar/magazine_2022q2
https://www.nxtbook.com/nxtbooks/morningstar/magazine_2022q1
https://www.nxtbook.com/nxtbooks/morningstar/magazine_2021q4
https://www.nxtbook.com/nxtbooks/morningstar/magazine_2021q3
https://www.nxtbook.com/nxtbooks/morningstar/magazine_2021q2
https://www.nxtbook.com/nxtbooks/morningstar/magazine_2021q1
https://www.nxtbook.com/nxtbooks/morningstar/magazine_2020q4
https://www.nxtbook.com/nxtbooks/morningstar/magazine_2020q3
https://www.nxtbook.com/nxtbooks/morningstar/magazine_2020q2
https://www.nxtbook.com/nxtbooks/morningstar/magazine_2020q1
https://www.nxtbook.com/nxtbooks/morningstar/magazine_2019winter
https://www.nxtbook.com/nxtbooks/morningstar/magazine_2019fall
https://www.nxtbook.com/nxtbooks/morningstar/magazine_2019summer
https://www.nxtbook.com/nxtbooks/morningstar/magazine_2019spring
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20191201
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20181011
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20180809
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20180607
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20180405
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20180203
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20181201
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20171011
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20170809
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20170607
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20170405
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20170203
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20171201
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20161011
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20160809
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20160607
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20160405
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20160203
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20161201
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20151011
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20150809
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20150607
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20150405
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20150203
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20151201
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20141011
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20140809
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20140607
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20140405
https://www.nxtbook.com/nxtbooks/morningstar/magazine_20140203
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20141201
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20131011
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20130809
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20130607
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20130405
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20130203
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20131201
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20121011
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20120809
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20120607
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20120405
https://www.nxtbook.com/nxtbooks/morningstar/investorconference2012
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20120203
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20121201
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20111011
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20110809
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20110607
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20110405
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20110203
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20111201
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20101011
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20100809_lincoln
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20100809
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20100607_lincoln
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20100607
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20100405_lincoln
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20100405
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20100203
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20101201
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20091011
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20090809
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20090607
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20090405
https://www.nxtbook.com/nxtbooks/morningstar/advisor_20090203
https://www.nxtbook.com/nxtbooks/morningstar/advisor_2008fall
https://www.nxtbook.com/nxtbooks/morningstar/advisor_2008summer
https://www.nxtbook.com/nxtbooks/morningstar/advisor_2007spring
https://www.nxtbook.com/nxtbooks/morningstar/advisor_2007fall
https://www.nxtbook.com/nxtbooks/morningstar/advisor_2007summer
https://www.nxtbook.com/nxtbooks/morningstar/advisor_2008spring
https://www.nxtbook.com/nxtbooks/morningstar/advisor_2008catalog
https://www.nxtbook.com/nxtbooks/morningstar/advisor_2008winter
https://www.nxtbookmedia.com