6♠ – Don’t Blindly Use the 4% Rule

Don't blindly use the 4% rule - because times have changed and it won't work any more.

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2 Responses

  1. Tim says:

    Mike thanks for a great article.

    What is also really helpful is if in retirement you still have some income from working part time and or a hobby that also generates income.

    This takes a lot of pressure off the investment returns and going from 80% work to 20% work is not a bad idea, especially because we are all living longer and healthier into old age.

    • Mike Rawson says:

      Hi Tim,

      I appreciate the feedback – I’m a big fan of your own articles.

      I agree about a side income. I’ve found I can’t really face working in an office any more, but if I can turn a hobby into an income stream, that would be great.

      Even if you don’t make any real money, structure in retirement is important. Thirty years is a long time to sit on a sofa.

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6♠ – Don’t Blindly Use the 4% Rule

by Mike Rawson time to read: 7 min