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.
by Mike Rawson · Published · Updated
Don't blindly use the 4% rule - because times have changed and it won't work any more.
Tags: What worksDrawdown
by Mike Rawson · Published October 1, 2018 · Last modified December 18, 2019
by Mike Rawson · Published December 17, 2020
by Mike Rawson · Published March 12, 2018 · Last modified January 14, 2020
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October: This is one of the particularly dangerous months to invest in stocks. Other dangerous months are July, January, September, April, November, May, March, June, December, August and February.


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.
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.