The 4% Rule: Clearing Up Misconceptions With Its Creator Bill …

1 day ago · Misconceptions About The 4% Rule Cleared Up By Bill Bengen. Here’s what I learned from Bill that helped clarify the 4% Rule: Not a Hard “Rule”: Bill considers the 4% Rule more of …

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The 4% Rule: Clearing Up Misconceptions With Its Creator Bill …

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How The 4% Rule Is Changing | Bill Bengen - Apple Podcasts

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Today's episode features Bill Bengen, creator of the 4% rule. The 4% rule is arguably the most famous and influential research of the financial independence movement. The rule essentially …

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How The 4% Rule Is Changing | Bill Bengen - Podchaser

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How the 4% Rule is Changing | Bill Bengen from The Financial Independence Show on Podchaser, aired Wednesday, 16th June 2021. Today's episode features Bill Bengen, creator …

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How The 4% Rule Is Changing | Bill Bengen - Spotify

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Listen to this episode from The Financial Independence Show on Spotify. Today's episode features Bill Bengen, creator of the 4% rule. The 4% rule is arguably the most famous and …

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The 4% Rule: Clearing Up Misconceptions With Bill Bengen

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10 hours ago · Key Takeaway: The 4% Rule May Be Too Conservative. After our conversation, my biggest takeaway was that the 4% Rule may actually be overly cautious. Bill argued that a …

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The 4% Rule For Retirement Spending Is Now The 4.7% Rule

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Oct 23, 2023 · Bengen's new work says 4.7% is the new "SAFEMAX" withdrawal rate under poor conditions -- his word for the most someone can take the first year with a low probability of …

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The 4% Rule And How It's Changing | Bill Bengen | The FI Show …

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Today's episode features Bill Bengen, creator of the 4% rule.The 4% rule is arguably the most famous and influential research of the financial independence movement.The rule essentially …

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Beyond The 4% Rule--Conversation With Bill Bengen | Live Q&A

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Tonight we have the pleasure of speaking with the father of the 4% Rule, Bill Bengen.Bill's recent paper: https://www.fa-mag.com/news/choosing-the-highest-sa...

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Bogleheads® Live 35: Bill Bengen On The 4% Rule Of Thumb

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Dec 26, 2022 · [00:01:37] Let’s get started on today’s show with Bill Bengen. Bill Bengen is a retired financial advisor who first articulated the 4% withdrawal rate as a rule of thumb for …

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Bill Bengen: Revisiting Safe Withdrawal Rates - Morningstar

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Dec 14, 2021 · "The Rules of Retirement Spending Are Changing," by Anne ... 1994 research that gave birth to what's now called the 4% rule. Bill is the former owner of Bengen Financial …

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Bill Bengen Says Inflation Is 'the Greatest Threat' To His 4% Rule — Is ...

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Aug 25, 2022 · In 1994, financial adviser Bill Bengen published a paper stating that retirees should plan to withdraw 4% of their assets every year, increasing or decreasing that …

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How The 4% Rule Creator Applied It For Himself And Clients - Kitces

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Oct 13, 2020 · Now returns have been weaker, and we say 4% sounds too high. And it's actually the same worst-case historical scenarios that are guiding it in all of these situations. Bill: Yes, I …

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The 4% Rule: How Reliable Is It? - Evidenceinvestor.com

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May 27, 2023 · This concept was first introduced by financial adviser, Bill Bengen in 1994. Bengen has been clear in pointing out that his research is based on a worst-case scenario …

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I'm Bill Bengen, And I First Proposed The 4% Safe Withdrawal Rate In ...

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The "4% rule" is actually the "4.5% rule"- I modified it some years ago on the basis of new research. The 4.5% is the percentage you could "safely" withdraw from a tax-advantaged …

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FAQs about The 4% Rule: Clearing Up Misconceptions With Its Creator Bill … Coupon?

Who created the 4% rule?

It’s been more than 25 years since Bill Bengen, a financial adviser in southern California, created the so-called “4% rule.” Already a subscriber? Sign In ...

Who is William Bengen?

Benz: Our guest on the podcast today is William Bengen. Bill has been a prolific researcher of retirement planning matters over his career, and he pioneered the exploration of safe withdrawal rates with his groundbreaking 1994 research that gave birth to what's now called the 4% rule. ...

What is the 4% rule?

That procedure became known as "the 4% rule." Bengen's revision takes the work of financial adviser Michael Kitces using the CAPE Ratio (appraising the stock market by current price relative to the past decade's worth of inflation-adjusted earnings) and combines it with an inflation appraisal. ...

Does the 4% rule become a diminishing return?

And then, you end up with more retirement income sustainability, and your 4% rule becomes a 4.5% rule. Bill: Yes. And I don't know how much further you can take that beyond as you introduce more asset classes. Does it become a diminishing return? It's one of the issues I'll study over the next year. ...

How long will a 4% Fi last?

Timeframes. 4.5% was based on 30 year windows. Looks like 4.5% is 30 years, and the closer you get to infinity, the closer it gets to 4%. So 4% will probably last you forever, and seeing as many here plan to FI for more than 30 years, 4% is a good number. ...

Do you make a lot of money out of the 4% rule?

I've never made a lot of money out of the 4% rule. I'd say that much. But I always just felt very grateful I was able to give back to the profession which gave so much to me. So I'm happy to do it. It's a thrill. ...