Go Beyond The 4% Rule
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‘Cogent, comprehensive, and entertaining, joins the best yet written in the field!’

Bill Bengen

The father of the ‘4% rule.’

‘The book is an effervescent contribution to the growing decumulation literature.’

Gregg McClymont

Shadow Pensions Minister (2011-2015)

‘Abraham has done a great job exploring how the retirement research can be applied to UK retirees’
Michael Kitces

Partner at Pinnacle Advisory Group

Today’s low annuity rates, closure of increasing numbers of defined benefit schemes and the Pension Freedoms, introduced by the UK Government in 2015, ripped up the retirement income planning rulebook.

The book confronts the challenge of how to secure a sustainable income that lasts a lifetime from your portfolio. It delves into the detail of the various withdrawal strategies, asset allocation and the unavoidable question of how long before you pop your clogs. This book helps retirees and their advisers navigate the treacherous retirement income landscape, using sound empirical evidence and practical application.

Meet The Author

Abraham is the creator of Timelineapp.co, a web-based software that illustrates sustainable withdrawal strategies. It’s used by financial firms in UK, US, Canada, Australia and other developed countries. He is the founder of investment and retirement research consultancy, FinalytiQ. He hosts the annual Science of Retirement Conference in London, the go-to event for investment professionals looking to gain in-depth research-based insight on retirement income planning.

He’s recognised as one of the country’s leading experts in retirement income and investment propositions. Abraham has authored several industry papers and delivered talks to the Financial Conduct Authority (FCA), Chartered Insurance Institute (CII), the Personal Finance Society (PFS), the Association of British Insurers (ABI) and several conferences across the country.

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Download Chapter 1 of 'Beyond The 4% Rule' completely free!