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The Creator of the 4% Withdrawal Rule – Interview with Bill Bengen-Season 1: Episode 14

For nearly 30 years, we’ve been referring to the guideline that taking 4% from your portfolio may be the most optimal amount to keep you from running out of money over an average retirement.

Is this so-called “4% Rule” still valid in a time of high stock values and low interest rates? Or should it be revised higher — or lower? — to reflect more realistic scenarios? Chris Panagiotu, CFP®, CRPS® asked the creator of that rule, Bill Bengen, what his thoughts are on that rule, as well as what he thinks economic recessions and market recovery times will do to people’s retirement portfolios, in this week’s episode of CAPitalize: A Podcast for Intelligent Investors!

Important Information:

You should always seek counsel of the appropriate advisor prior to making any investment decision. All investments are subject to risk including the loss of principal. This material was gathered from sources believed to be reliable, however, its accuracy cannot be guaranteed.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

The information contained herein does not constitute an offer to sell or a solicitation of an offer to buy securities. Investment products described herein may not be offered for sale in any state or jurisdiction in which such an offer, solicitation or sale would be unlawful or prohibited by the specific offering documentation.

No client or prospective client should assume that the presentation (or any component thereof) serves as the receipt of, or a substitute for, personalized advice from Lucia Capital Group or from any other investment professional.

Christopher Panagiotu is a registered representative with, and securities and advisory services offered through LPL Financial, a registered investment advisor and member FINRA/SIPC. The investment professionals are affiliated with LPL Financial and are conducting business using the name Lucia Capital Group, a separate entity from LPL Financial. Bill Bengen is not affiliated with Lucia Capital Group nor LPL Financial.

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