05/18/2026
An article on the old 4% rule in retirement. Now they are saying 4.7% but the same problems exist, no accounting for "Sequence of Returns" risk. Additionally there is no guaranty that your portfolio will make it to your projected life span using this rule.
Annuities, on the other hand, when properly structured can have a gradual increase in income as your needs change. The old 4% rule never took into account the difference between the "go-go" years, "slow-go" years, and the "no-go" years. As we age our needs change and so does our income requirement. Annuities can offer 5% - 8.5% income base as you age.
Please read the article and then give me call to learn more.
The 4% rule has stood for three decades. Now, it's getting an update.