Retirement in Motion | Q3 2022

Retirement in Motion | Q3 2022

| July 01, 2022

Tips and resources that everyone can use

Knowledge Is Retirement Power

Many people use the 4% rule to guide their retirement withdrawals once they stop working. The rule proposes that withdrawing 4% from a retirement fund in the first year, followed by inflation-adjusted withdrawals every year after, should ensure money is available to last for a 30-year retirement. For example, a retiree with a $1-million nest egg would withdraw $40,000 the first year. The next year, they would adjust that $40,000 to reflect the rate of inflation and take out that amount. When your retirement comes, consider talking to a financial advisor about a withdrawal rate that is right for you, and customized to your age and life expectancy.

Quarterly Reminder

Looking for some hot summer savings ideas? Check out these tips to help you save money and improve your budget.

  • Wash your car at home versus taking it to your local carwash.
  • Use your heat-generating appliances such as the dryer or dishwasher at night.
  • Consider using cold water to wash your clothing.
  • Hang your laundry outside to dry.
  • Check out yard and garage sales first for things you need (or have one yourself).
  • Avoid using your oven and stove by grilling outside as much as you can.

Tools and Techniques

If you are considering investing in stock funds within your retirement account, here are some ways to help make sure you are well-diversified:

Size: Consider a fund that invests in stocks of small, medium and large companies, because different-sized companies tend to lead the market at different times.

Style: Consider funds with different investment strategies, such as growth and value. Holding both types may help minimize volatility in your portfolio, and potentially benefit in all types of environments.

Sector: You may want to include funds that hold investments tied to many different parts of the economy.

Geography: You may want your portfolio to include a fund that has exposure to domestic and international stocks, including those from emerging markets. Financial markets around the world respond differently to regional and global events.

We are happy to help, if you have any questions or would like additional insight, please feel free to reach out to me at or 800.307.0376.

Disclosure: This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. Investment Advice and 3(38) Investment Fiduciary services offered through Diversified Financial Advisors, LLC, a Registered Investment Advisor. 3(16) Administrative Fiduciary Services provided by PISTL Service Corporation. Discretionary Trustee services provided by Printing Industries 401k Trustees. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material. 

 RP-782-0522 Tracking #1-05287804 (Exp. 05/23)