The inventor of the '4% rule' just changed it - MarketWatch

Nov 3, 2020 · Opinion: The inventor of the ‘4% rule’ just changed it Bill Bengen says the now-iconic rule was always treated too simplistically Last Updated: Nov. 3, 2020 at 12:53 p.m. ET First Published ...

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The Inventor Of The '4% Rule' Just Changed It - MarketWatch

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The 4% Rule: Clearing Up Misconceptions With Bill Bengen

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2 days ago · Challenging the 4% Rule. I’ve critiqued the 4% Rule, arguing it’s outdated because of how much times have changed since the 1990s when Bill first popularized the concept. …

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William Bengen - Wikipedia

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William P. Bengen is a retired financial adviser who first articulated the 4% withdrawal rate ("Four percent rule") as a rule of thumb for withdrawal rates from retirement savings; it is eponymously known as the "Bengen rule". The rule was later further popularized by the Trinity study (1998), based on the same data and similar analysis. Bengen later called this rate the SAFEMAX rate, for "the maximum 'safe' historical withdrawal rate", and later revised it to 4.5% if tax-free and 4.1% f…

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4% Rule Outdated? Rule Inventor Says It Should Be 4.7% Rule

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Dec 22, 2021 · Instead, retirees can safely withdraw up to 4.7% a year without threatening to wipe out their retirement savings before 30 years have elapsed, Bengen says. The reason so many …

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The Originator Of ‘the 4% Rule’ Thinks It’s Off The Mark. He Says It ...

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Jan 23, 2021 · In 1994, William Bengen published a paper saying that retirees should start out withdrawing 4% of their assets annually, increase the distribution each year by the inflation …

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What Is The 4% Rule For Withdrawals In Retirement? - Investopedia

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Jun 11, 2024 · Key Takeaways. The 4% rule says people should be able to withdraw 4% of their retirement funds in the first year after retiring and take that dollar amount, adjusted for inflation, …

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The Inventor Of The ‘4% Rule’ Just Changed It - RetireJapan

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Nov 24, 2020 · It’s been more than 25 years since Bill Bengen, a financial adviser in southern California, created the so-called “4% rule.” That’s the principle that if you want to make sure …

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The Inventor Of The ‘4% Rule’ Just Changed It

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Though as I've tried to show, the 4.5% withdrawal rate still works with the first few periods that have rolled in since Kitces' paper. I expect the 4.5% withdrawal rate to succeed with the next …

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Retirement Income Part 2: The 4% Rule - Stay Wealthy

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The Inventor of the 4% Rule Just Changed It [MarketWatch] ... History of Interest Rates [MacroTrends] Episode Transcription [fusebox_transcript] Listen to these first Featured …

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The Inventor Of The ‘4% Rule’ Just Changed It (safe Withdrawal Rate …

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Oct 23, 2020 · The 4% has only been a starting point .....it has a median of about 6-1/2% as a swr , which is why if a retirement is not a worst case scenario 90% of the time you ended with …

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

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Oct 23, 2023 · Opinion: The 4% rule for retirement spending is now the 4.7% rule. In some areas of life, working backwards or reverse engineering the answer you’re looking for can help. …

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The Inventor Of The ‘4% Rule’ Just Changed It : R/Bogleheads - Reddit

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By far the best and most thorough research I've seen on the topic is the SWR series from EarlyRetirementNow. Yeah, I know that the withdraw rate depends on length of time. But even …

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Weekend Reading: Bengen Bails On The 4% Rule - Monevator

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May 6, 2022 · For those new to these parts, a short summary. In the early 1990s Bengen interrogated the historical return data for US shares and bonds. He determined that a 4% …

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The Inventor Of The ‘4% Rule’ Just Changed It - MarketWatch

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Oct 22, 2020 · Bill Bengen says the now-iconic rule was always treated too simplistically See full story. Intel stock plunges 10% after data-center sales drop more than expected

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The Inventor Of The ‘4% Rule’ Just Changed It : R/slatestarcodex

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This actually helps much more than you would assume: this alone is sufficient for the worst historical case for the 4% rule to succeed instead of fail. Keep (or get) debt that is, after …

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The 4% Rule Is Being Debated — Again - MarketWatch

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Nov 16, 2021 · Listen. (5 min) The 4% rule — which suggests retirees withdraw 4% of their retirement savings every year for living expenses — may be too high, according to the latest …

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Will Inflation Kill The 4% Rule? - Forbes

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Oct 31, 2022 · The result was that a $1 million portfolio invested in 75% stocks and 25% bonds using the 4% rule in 2000 had dwindled to just over $500,000 after inflation by 2010. Then …

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The 4% Rule Is ‘blind To The New Reality’ Of ... - MarketWatch

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Jun 8, 2024 · The so-called 4% rule has been a widely used guideline since financial adviser Bill Bengen published his paper on the topic 30 years ago. The 4% rule suggests that retirees can …

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The Inventor Of The ‘4% Rule’ Just Changed It | פורום הסולידית

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Dec 21, 2017 · That was based on someone who retired at the worst moment he could find in modern times: October 1968, just as the stock market peaked, and runaway inflation was …

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The Inventor Of The ‘4% Rule’ Just Changed It : R ... - Reddit

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People use the 4% rule as if it is some kind of inviolable law of nature, and don't you dare withdraw 4.5% or your money will surely run out before you die. I always thought the 4% thing …

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FAQs about The inventor of the '4% rule' just changed it - MarketWatch 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 ...

Does the 4% rule still work?

As if you don't have enough to worry about, some retirement advisors are cautioning the famous "4% Rule" no longer works. Those Doubting Thomases say if you withdraw 4% of your savings each year, then add a percentage equal to inflation yearly after the first year, your retirement savings will not last the 30 years that the 4% Rule envisions. ...

Is the 4% rule out of date?

Get exclusive IBD analysis and actionable news daily. Instead, retirees can safely withdraw up to 4.7% a year without threatening to wipe out their retirement savings before 30 years have elapsed, Bengen says. The reason so many people think the 4% Rule is out of date is that they overlook its premise, he adds. ...

What is the 4% rule?

The 4% rule is a retirement planning guideline that suggests you withdraw no more than 4% of your retirement savings each year in the first year of retirement, then adjust the withdrawal amount each subsequent year for inflation. Bengen’s research, which introduced this concept, has become one of the guiding principles of personal finance. Millions of Americans use it as a milestone for determining how much money they need to save for a long-lived retirement. ...

Is the 4% rule a good idea?

“It’s not efficient.” The 4% rule aims to minimize the risk of failure (running out of money) by being very conservative with spending early in retirement. However, this comes at the cost of potentially underutilizing one’s savings and not being able to spend more if investment returns are favorable. ...

Is the 4% rule over-simplified?

The concept of the 4% rule is attributed to Bill Bengen, a financial adviser in Southern California who created it in the mid-1990s. Some people say that the rule has been over-simplified, because he actually said that the 4% rule was based on a "worst-case" scenario and that 5% would be a more realistic number. ...