Is the “4% Rule” Too Risky?
If you use the 4% rule to plan your retirement, are you exposing yourself to too much risk? Or not enough?
Should you be hand-picking stocks? Timing the market? Or taking the “lazy portfolio” way out?
Investing and Retirement are complicated and consequential topics. The articles below address these complex ideas.
I hope you enjoy them! And let me know what other questions you’d like me to dig into.
If you use the 4% rule to plan your retirement, are you exposing yourself to too much risk? Or not enough?
How much money can you actually save through smart financial planning questions? A lot more than most people think.
I care about long periods and large compounded returns over those periods. The odds are clearly in the investor’s favor when looking at those time scales.
We should be just as respectful of the omnipresent risks today as we would be during the middle of a stock market correction or even at the bottom of a market crash.
Is a 401(k) worthwhile even when there’s no employer match? Is tax deferral enough to utilize this illiquid retirement account?
The triad of Need, Ability, and Willingness can help us combine objective facts with subjective feelings in our investment portfolios.