Monday Morning Money

Is the 4 Percent Rule Dead?

June 21, 2020

Some experts are forecasting lower returns for both stocks and bonds.  Does this mean the 4% rule for generating retirement income is dead? 

  • What if future returns are between 4% and 5% per year for a well-balanced portfolio?
  • Why we believe in the 4% rule.
  • It works when you use historical return data.
  • What if rates are lower?  Will it still work?
  • What are the challenges a low return environment provides?
  • What if you need more than 4%?

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