The 4% rule becomes the 3% rule (as if you needed this bad news)
Because of the risks facing a fully-valued stock market after a dramatic 13 year long rise from the March 2009 low, and due to the rise of inflation, and because bonds are getting hit due to rising...
View ArticleThe 4% rule becomes the 3% rule (as if you needed this bad news)
And if you are taking RMDs from tax deferred accounts, the IRS sets withdrawal rates - currently 3.65% at age 72 and escalating each year thereafter. Read full topic
View ArticleThe 4% rule becomes the 3% rule (as if you needed this bad news)
I think if you use a 3%-ish rule to begin retirement, and make it to RMD age, you’re going to be fine. You can always push what you didn’t spend from your IRA back into a brokerage account, or...
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The 4% rule becomes the 3% rule (as if you needed this bad news)
ochotona: Who is Wade Pfau, PhD? He is Professor of Retirement Income in the PhD in Financial and Retirement Planning program, Co-Director of the American College Center for Retirement Income, and...
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The 4% rule becomes the 3% rule (as if you needed this bad news)
Oh I see. 3% SWR if you pay us to advise you, if you manage yourself with a simple portfolio that works well the 4% rule still works? but we don’t get paid Read full topic
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The 4% rule becomes the 3% rule (as if you needed this bad news)
The 4% rule is making a comeback! What are your thoughts? Clark Howard – 22 Jan 23 Should You Follow the 4% Rule When You Retire? Debate about the 4% rule in retirement is raging. What are the factors...
View ArticleThe 4% rule becomes the 3% rule (as if you needed this bad news)
I was always planning on using the 4% modified rule and then for the years when the market is down just use money from my non retirement account and hope I made the right choice. Whatever the % rule...
View ArticleThe 4% rule becomes the 3% rule (as if you needed this bad news)
A couple of thoughts on this. I just saw a stock market and 60/40 portfolio performance prediction tool at AllocateSmartly.com, it’s free “you get what you pay for”. By their own admission, they say...
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The 4% rule becomes the 3% rule (as if you needed this bad news)
The 60/40 portfolio had an awful year in 2022, with a serious drawdown… Fall 2022 would have been a good time to enter the portfolio. Bad times don’t last forever. Note, quotes above were from March...
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