• Is the 4% Rule Outdated?

  • Dec 21 2021
  • Length: 12 mins
  • Podcast

Is the 4% Rule Outdated?

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  • Summary

  • Since the 1980s, the 4% Rule stated that you could safely withdraw 4% of your portfolio every year, and have a successful 30 year retirement.   But much has changed in the last TWO years, never mind the last 40.

    Today, Vince Oldre of CFG Retirement looks at this rule.   Morningstar thinks the 4% rule should now be more like 3.3%, a significant difference in annual income.  But Vince digs a little deeper.  The old rule was based on a 60-40 stock bond mix.  As we discussed in a previous episode, that model is also outdated.  We go under the hood to talk about how you can calibrate different sources of income to get to a withdrawal rate that will work for you in retirement.

    Additional Resources:

    CNBC article on the 4% rule: https://www.cnbc.com/2021/11/11/the-4percent-rule-a-popular-retirement-income-strategy-may-be-outdated.html

    CFG Retirement Website: https://cfgretirement.com/

    CFG Retirement Phone Number to Call: 952-657-7470

    CFG Retirement TEXT line: 612-448-3243

    Vince email: vince@cfgretirement.com
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