Monthly Archives: November 2023

The 4% rule (or theory) says that at retirement, with a portfolio of 60% stocks and 40% bonds, one could withdraw 4% of the initial savings amount (and increase it by inflation every year). Then, the retiree would have a 90% chance of the growing income continuing for 30 years without the savings being completely depleted until the end of those 30 years. And a 10% chance the money will run out. By the way, a 100% stock or a … Continue reading