How to Reliably Maximize Your Retirement Income – Is the “4% Rule” Safe?

Unconventional Wisdom

You want to retire soon.

What is the best way to set up your retirement income to give you the maximum cash flow that will reliably last the rest of your life?

Many financial planners use the “4% Rule”, which says that you can, for example, withdraw $40,000/year rising by inflation for life from a $1 million portfolio. Is that safe?

I studied 146 years of investment history. The conclusions are surprising:

1. Most of the advice seniors are given is not supported by history.

2. I found what really works to give you the maximum reliable retirement income – both how to set up your portfolio and manage your income.

In my podcast episode you’ll learn:

• What is the typical advice given to seniors and does it work?

• What does Ed’s study of 146 years of history show about the 4% Rule?

• Which asset allocations provide the most reliable retirement income?

• What is the main risk to your retirement for any asset allocation?

• Is it safer to hold some cash to use during market downturns?

• What are the reasons that the actual results of history are surprising?

• How can you manage “sequence of returns risk”?

• What is the impact of inflation?

• How does your risk tolerance affect your retirement income?

• What is Ed’s rule of thumb for a safe withdrawal rate?

• Are there advanced methods to manage a higher retirement income with 100% success?