Determining Spending Levels for an Individual Portfolio

Overview

Anticipating cash flows in and out of an investment program is a vital consideration in portfolio construction for high-net-worth individuals and their families. While the goal of some portfolios is to deplete over time, many investors aim to grow them to offset the effects of fees, taxes, inflation, and spending. Key factors—including identifying your investment time horizon and risk tolerance—should be considered to ensure that the most optimal outcome is achieved when spending is a core element of an investment portfolio.

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