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Personal Finance Topics / Retirement Investing❤
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Author: intercst   😊 😞
Number: of 767 
Subject: Re: The 4% rule inventor makes some revisions
Date: 08/22/2025 3:09 PM
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<<Sure, for the 60/40 investor.

Aren’t you more of a 90%+ stocks kinda guy? The 2000 retiree sticking to that portfolio isn’t doing well, as your graph shows.

Sure after my portfolio increased by a factor of 4 and my withdrawal rate dropped to 1%. If the portfolio hadn't increased in value and my withdrawal rate was still something like 4%, I'd still be somewhere around 60/40.

Think of it this way. I can comfortably live off a 4% withdrawal from a 60/40 portfolio that represents 10% of my net worth. The other 90% is invested 100% in stocks.

intercst
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