4% Rule

Risk Parity Resources: Finke (2021)

Oct 18, 2022 6 min read Resources 4% Rule Interventions Withdrawal Rates

Example #4,080,875 in the re-hashing of the 4% rule’s drawbacks and reviewed as an example of what my last post ranted against. Neglects portfolio construction, asset selection, rebalancing, and more. Ends where the industry pieces always seem to end up: private annuities.

My Four Cents on the 4% Rule

Mar 14, 2022 5 min read 4% Rule

The seemingly never-ending debate over the 4% rule has been refreshed again by a recent Morningstar report. "4%" is dead, they say. My thoughts: what if we availed ourselves of all the techniques that can improve the rule's chances of being viable? Mainly, what if we had better portfolios?