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Cut Your Retirement Spending Now, Says Creator of the 4% Rule

The combination of high inflation and high market valuations could require revisions to the retirement rule of thumb

PHOTO ILLUSTRATION BY SAM KELLY/THE WALL STREET JOURNAL, ISTOCK (2)
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香蕉视频苹果下载For decades, retirees have relied on the 4% rule to determine how much was safe to spend in retirement. Now, the rule’s inventor says current market conditions may require an even more conservative approach.

The combination of 8.5% inflation with high stock and bond market valuations makes it difficult to forecast whether the standard playbook will work for recent retirees, said retired financial planner Bill Bengen香蕉视频苹果下载, who first devised the 4% rule in 1994. 

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