Retirees: Are You Spending Too Much?
The 4% guideline can put you in the right ballpark, but the best spending policies factor in time horizon, asset allocation, and market fluctuations.
This article is the second of two parts. The first one was published in the issue no 2 of this same journal. The preseni study uses the dependency index and the youth ratio to describe the aging process both at regional and municipal levels. Our data show a yet moderate aging process in (he region. with an uneven distribution throughout the different municipalities.