The 4% Rule is Not a Rule – 277

The so-called “4% rule” is one of the most familiar ideas in retirement planning. It gives people a simple way to think about how much they might withdraw from a portfolio each year. But a useful guideline can become a problem when it starts being treated like a rule that applies to everyone.

A withdrawal rate does not exist in a vacuum. Your age, spending needs, Social Security timing, pensions, market conditions, tax situation, and withdrawal strategy ALL matter. The number may give you a starting point, but it cannot tell you how your retirement should actually be structured.

So how should you think about the 4% rule, and why can the wrong withdrawal strategy make even a reasonable number risky? Find out from podcast host Johnny Dean and Rick “The Professor” Plum, CFP® on this week’s episode of Managing Your Financial Future!

The opinions voiced in this show (program; podcast) are for general information and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to make a decision.

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