4Bengen,William P.2001." Conserving Client Portfolios during Retirement,Part Ⅳ."[J].Journal of Finacial Planning,Article 14(May):www.journalfp,net.
5Milevsky,Moshe A.,and Chris Robinson.2005."A Sustainable Spending Rate without Simulation."[J].Financial Analysts Journal,vol.61,no.6 (November/December):89-100.
6Bodie,Zvi,Robert C.Merton,and William F.Samuelson.1992," Labor Supply Flexibility and Portfolio Choice in a Life Cycle Model"[J].Journal of Economic Dynamics and Control,vol.16,nos.3-4(July/October):427-449.
7Yarri,M.E.1965." Uncertain Lifetime,Life Insurance,and the Theory of the Consumer."[J].Reviews of Economic Studies,vol.32,no.3:385-412.
8Compbell,Ritchie A.1980." The Demand for Life Insurance:An Application of the Ecnnomics of Uncertainty."[J].Journal of Finance,vol 35,no.5:1155-1172.
9Roger G.Ibbotson,Mosbe A.Milevsky,Peng Cben and Kevin X.Zbu,2007,Lifetime Financial Advice:Haman Capital,Asset Allocation,and Insurance,Research Foundation of CFA institute.
10EBRI.2006,"Retirement Confidence Survey." Washington,DC:Employee Benefit Research Institute.
