The 4% Rule Is Dead: You Can Retire Much Earlier Than You Think

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I really hope you’re not following the antiquated “4% rule”—which says you should withdraw 4% of your nest egg (and no more!)—in retirement. Because if you are, you’re staying in the workforce way longer than you need to.

In fact, you may already be financially independent and not even know it!

Today we’re going to look at why this theory could needlessly delay your retirement (in the words of the 4% rule’s author himself!).

I’ll also show you an easy way to grab almost twice as much from your retirement nest egg in every one of your golden years—I’m talking 7% easy here—and go one step further: live on dividends alone.Read more

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Any way you slice it, it was a big bet.

I’m talking about the legendary wager Warren Buffett made with hedge fund manager Ted Siedes a decade ago.

You may recall this $500,000 gamble. It went like this: if hedge funds could beat the S&P 500 over a decade, Siedes would win. If not, Buffett would win.

The result: the index crushed the funds Siedes chose, prompting him to concede defeat last May.

He went down fighting, though, writing that it was the hedge funds’ global focus that caused them to underperform, not the prevailing “wisdom” that stock picking is little more than gambling.…
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