Ep 394 - Why The 4% Rule Fails

The 4% retirement rule sounds simple: build a large portfolio and withdraw 4% each year.

But what happens when the market drops 20% shortly after you retire?

You're not just dealing with investment losses. You're still withdrawing money while your portfolio is down — creating what many investors know as sequence-of-returns risk.

That's why retirement planning shouldn't rely solely on selling assets to generate income.

A strong strategy should consider multiple factors, including:

⏳ Time 📈 Compounding ⚡ Wise leverage 💰 Tax advantages

The goal? Build a strategy designed to create income while protecting and growing your wealth over time.

Want to explore a different approach to retirement income and wealth building?

📩 Contact Dan at [email protected] to ask questions or schedule a strategy session.

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