Here's What's Wrong With the 4% Rule

Expert Opinion April 12, 2024 at 05:10 PM
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What You Need To Know

  • The 4% rule seems like a simple solution for retirement spending, but there are pitfalls.
  • The best approach is one that adjusts for actual market returns and real-life inflation rates.
  • For investors who prefer a formulaic approach, a better alternative to the 4% rule is to use the IRS' RMD table.
Robert Bloink and William H. Byrnes