Withdrawal plan with ETF: increase your pension plan with the chinelo wallet

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Written By Kampretz Bianca

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Have investors spent their entire working lives accumulating assets for retirement – ​​only to then transfer them to an insurance company that pays them a monthly pension? Understandably, many savers don’t want this. You don’t have to: with the flip-flop portfolio from Stiftung Warentest and the right withdrawal strategy, you can keep your assets in your own hands.

Update June 6, 2024

How much can you withdraw in the current market phase with your withdrawal strategy, your term and your assets? O Professional calculator for all durations (available after activation) is updated with current stock market data as of May 31 and provides the current answer. is also updated ETF Withdrawal Plan Calculator with terms of 10, 20 and 30 years.

You will receive payments well into old age, which will initially be similar to or greater than the best insurance products and will likely increase significantly.

The extra pension must be carefully planned, regardless of whether it is only intended to supplement the pension or whether savers want to live entirely off it. There are five removal strategies to choose from that cover different types of needs. Our withdrawal plan calculators can help.

Why “ETF Withdrawal Plan” Is Worth Researching For You

Strategies for all needs

We present five withdrawal strategies for your wallet. It doesn’t matter if you want to live off interest and dividends alone or use your assets for a capital-consuming withdrawal plan.

Extensive simulations

You will discover how ETF withdrawal plans have developed over the last 30 years and how high and stable the pensions were depending on the strategy. We regularly update the results of our extensive simulations.

Withdrawal Schedule Calculator

We offer two simple and free Withdrawal Schedule Calculator at the. A Professional calculator with more functions and for all terms is available to you after purchasing the item.

Step-by-step instructions

We explain step by step how you can put together a slipper payment plan in practice and what you need to pay attention to.

Magazine article in PDF

After activation, you will receive the Finanztest 11/2023 magazine article on the topic “Supplementary pension with ETF” for download.

Withdrawal plan with ETF
Boost your pension plan with the slippers portfolio

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Slipper removal plan – simple and flexible

Stiftung Warentest helps you decide which strategies are best suited for an individual case. Anyone who follows them will be rewarded with great flexibility. Investors can withdraw larger amounts at any time – for example, to renovate their living space or to obtain their granddaughter’s driver’s license. This doesn’t work with insurance.

Investing in stocks is very likely to result in significantly better returns than with insurance products. In good years in the stock market, assets continue to grow despite high withdrawals. At the same time, sophisticated drawdown strategies protect against pension cuts, even in the event of a stock market crash.

Another advantage of the slipper installment plan: the heirs receive all the assets in the event of death. But there is a downside: unlike annuity insurance, an immediate lifetime pension or a minimum level of payments is not guaranteed.

Set up your own portfolio correctly

At the beginning, it must be clarified how the assets from which payments will be taken will be invested. If you want to worry as little as possible about your portfolio in retirement, you can easily use this flip-flop portfolio invest. With the courage to reduce, money becomes one World Stock ETF it is a Daily cash account created. Many Finanztest readers have been saving with this investment strategy for many years. You can simply let your portfolio continue to function in full or in part during your retirement.

With a self-constructed flip flop portfolio, the stock ETF has different weights depending on your risk appetite. Defensive investors place 25% of their assets in the stock ETF, while offensive investors place 75%. A 50:50 mix should be suitable for most investors. Alternatively, very cautious investors can leave all their assets in the current account, and very aggressive investors can rely 100% on equity ETFs. In our simulations, we consider all portfolio variants and show that stable pensions are possible even with a higher proportion of shares.

Five check withdrawal strategies

The choice of withdrawal strategy determines how high and stable the monthly payment is and what potential increase it has. We have developed five models in which money lasts until the end of the planned term, even in the case of poor stock market performance or new periods of zero interest. The first three withdrawal strategies are simple, the last two are a little more sophisticated. We provide the strategies with their past returns in detail before (activation required).

  • Fixed pension. Once the amount is set, it remains in the account forever.
  • Flexible pension. The flexible pension directly benefits from rising stock markets or interest rates, but can fluctuate.
  • Annuity of interest and dividends. If you want to keep your assets forever, you only live off interest and dividends.
  • Buffered pension. If you want to start cautiously to be prepared for increased expenses as you age, you should opt for a buffer pension.
  • Learning pension. The apprenticeship pension ensures that progression is as smooth as possible, with a higher starting pension and constant increases.

Easy maintenance of ETF pension

Once the collection plan is in place, care is easy. Seniors only need to do two things regularly, usually once a year:

  • Check that the distribution between the equity ETF and overnight cash is still correct and rebalance if necessary. This is with our help Portfolio Calculator possible – or with our withdrawal strategy calculator, in which we have also integrated a portfolio check.
  • With a strategy with a variable, self-determined pension level, check whether the pension can be increased – or whether it needs to be reduced. You can do this with our withdrawal strategy calculator.

Book tip: Additional pension options explained in detail

The book is available for anyone who wants to read more about other ways to use money in old age My supplementary pension. It uses detailed calculation examples to explain how you can find your personal asset withdrawal strategy. Depending on your needs and desires, an immediate pension or estate annuity may also make sense.

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