Opinion: Retirees Need Alternatives to the 4% Rule

David Lau

May 13, 2022

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For nearly three decades, many financial advisors have relied upon a total returns strategy to generate retirement income for their clients. According to this conventional wisdom, if retirees stay 50% to 75% invested in equities and withdraw 4% annually to fund spending, their nest eggs will be sufficient to get them safely through a 30-year retirement, regardless of market conditions.

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