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J.P. Morgan Releases "Breaking The 4% Rule," A Landmark Research Report That Lays The Groundwork For An Innovative Approach To Investing And Withdrawing Income In Retirement

"When all these factors are combined into a single, cohesive methodology, we can calculate an optimal withdrawal rate and asset allocation based on each retiree's unique profile," said Abdullah Sheikh, Vice President and Research Analyst for J.P. Morgan Asset Management's Asset Management Solutions-Global Multi-Asset Group.

This new research provides a framework that can be tailored to an individual's unique circumstances, preferences and appetite for risk. 

"The research that has gone into this strategy is specifically designed to help optimize the drawdown of each retiree's assets, enabling them to adjust withdrawal amounts and asset allocations in response to changing market conditions, personal circumstances and preferences," said Katherine Roy, J.P. Morgan Asset Management's Chief Retirement Strategist.

By creating this new patent-pending methodology, J.P. Morgan seeks to help retirees smooth out the unpredictable nature of future expenses and personal circumstances. By periodically adjusting withdrawal rates and asset allocations to changes in age, wealth, life expectancy and personal preferences, this framework requires retirees and their advisors to closely monitor their unique withdrawal strategies at least once a year.   

"This strategy offers retirees more confidence with respect to one of Americans' greatest financial needs and helps them make the most of their assets during their retirement years," Falcon added.

To read the executive summary of the report, visit http://bit.ly/1dw8CT7.

To read the full research report, visit http://bit.ly/NvrtaK.

About J.P. Morgan Asset Management – Retirement J.P. Morgan Asset Management is a leading comprehensive retirement solutions provider dedicated to improving individual retirement outcomes. J.P. Morgan Retirement, with defined contribution assets under management of $109 billion, is a leading comprehensive retirement solutions provider dedicated to improving individual retirement outcomes. J.P. Morgan Retirement Plan Services provides bundled recordkeeping services to more than 2 million participants in more than 850 plans, representing more than $167 billion in retirement plan assets (as of December 31, 2013).  

About J.P. Morgan Asset Management J.P. Morgan Asset Management, with assets under management of $1.6 trillion, is a global leader in investment management. J.P. Morgan Asset Management's clients include institutions, retail investors and high-net worth individuals in every major market throughout the world.  J.P. Morgan Asset Management offers global investment management in equities, fixed income, real estate, hedge funds, private equity and liquidity.  JPMorgan Chase & Co. (NYSE: JPM), the parent company of J.P. Morgan Asset Management, is a leading global asset management firm with assets of approximately $2.4 trillion and operations in more than 60 countries.  Information about JPMorgan Chase & Co. is available at www.jpmorganchase.com.

SOURCE J.P. Morgan Asset Management

Copyright 2011 PR Newswire. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
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