Retiring the 4% rule

Retiring the 4% rule

A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.


Please refer to our transcription below if it is easier and/or more convenient for you:

Building a retirement distribution strategy can be a challenge.

How much can you withdraw each year and still have enough money to last throughout retirement?

In 1960, the leading financial professional developed a guideline for retirement distribution called the 4% rule:

    Analyzing the historical returns of portfolios that featured in approximate balance of 60% stocks in 40% funds that are steady determined that retirees could withdraw 4.15% each year over 30 years without running out of money. That became known as the 4% rule.

Does the 4% rule still work? That depends on a variety of factors. For example, if stock fall sharply n the early years, your odds of running out of money increase. So is it time to retire the 4% rule? The answer lies in your retirement goals, time horizon, and risk tolerance.

A portfolio created with your long term objectives in mind is crucial as you pursue your dream retirement.

Call today and let’s discuss how to build your unique retirement distribution formula.

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