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Personal Finance Topics / Retirement Investing
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Author: rayvt ✧  😊 😞
Number: of 767 
Subject: Re: The 4% rule inventor makes some revisions
Date: 08/21/2025 11:12 PM
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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.

A 90%+ stocks guy is not going to be taking 4%. Unless maybe the slip rent for his yacht at Monoco is exhorbitant.

You don't go 90%+ stocks unless you are very sure that you don't have to take anywhere near 4% to live on.

There was a recent youtube video of a financial guy who said one of his clients was 85 years old and 100% stock. But they were quite safe because they had enough pension & SS income for all their living expenses.

40% bond allocation has a tremendous drag on your portfolio performance, although it might be necessary for risk control.
It is expensive to be poor.
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