In Practice Brief: The Only Other Spending Rule Article You Will Ever Need

THEME: CAPITAL MARKETS

2 December 2025 In Practice Brief

In Practice Brief: The Only Other Spending Rule Article You Will Ever Need

CFA Institute

This article presents a practical retirement income strategy using only US stocks and a TIPS ladder. It shows how ARVA-based decumulation offers higher, safer lifetime income than traditional financial advisor strategies.

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CFA Institute