Predicted Lower Returns

The four % rule does not get adjusted by these crazy predicted lower returns. The authors of the trinity study and the safe ith draw rate that grot brought us, the original four %, actually came out in the last two to three years. As long as you're keeping a 50% equity allocation, this doesn't hurt your 401(k) It's great for somebody in their twenties, thirties, even earlyties, to use as a planning tool. But i will tell you, somebody who gets into your lateties, fifties, or sixties is at risk. Darcy Costello: What happens if you retire at the beginning of eight thousand wout