Have you heard of the 4% rule?
It’s a guideline established almost 30 years ago that determined you could withdraw no more than 4% of your portfolio each year during retirement.
But… that was 30 years ago.
So is 4% still a good rule of thumb?
Now, I could fill the rest of this email with a LOT of examples and math – average rates of return, rates of inflation – but the problem is that an example is exactly that – an example.
It’s meaningless to YOUR situation.
Retirement and spending never goes exactly as planned, and ultimately, you are far more complex than the two-dimensional Bob & Betty’s Sampler.
There are a LOT of “what if” scenarios, like:
- What if you live longer
- What if you spend more or less for different periods of time
- What if you need to spend time in a nursing home
- What if you just want to take that once-in-a-lifetime cruise?
So, to ease your mind, let’s talk.
We can pinpoint a comfortable withdrawal amount for YOU.
Doing this will provide you with peace of mind, knowing that you won’t run out of money before you run out of life.
And that’s a lot better than any example I could give you.
Click here to schedule 15 minutes on my calendar.
Dan Cuprill, CFP®