How Should You Invest to Take Advantage of The 4% Rule?

Ready For Retirement

James Conole, CFP®

Investment Planning, Bonds, Education, Stocks, Cash, Business, Dividend Investing, Retirement Planning, Retirement, Investing, Tax Planning

5 • 706 Ratings

🗓️ 26 October 2021

⏱️ 21 minutes

🔗️ Recording | iTunes | RSS

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Summary

Our topic on this episode of the Ready for Retirement podcast is about understanding how you should invest to take advantage of the 4% Rule. Questions answered: What is the 4% rule and how does it impact my ability to retire? What are the best strategies when it comes to investing to take advantage of the 4% rule? What is the best approach for my individual situation? Are you ready to start focusing on the things that truly matter when it comes to your financial future? We’re on YouTube...

Transcript

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0:00.0	Discover the tips and strategies that will help you achieve your retirement goals.
0:09.3	I'm your host, James Canole, and this is the podcast dedicated to helping you retire well.
0:14.4	It all starts right here on Ready for Retirement. for retirement.
0:29.4	Hi, everyone, and welcome back to another episode of Ready for Retirement.
0:30.8	I'm your host, James Cannell.
0:36.2	And we have a listener question today that touches upon withdrawal rules and really how do you invest in a way to take advantage of the withdrawal
0:39.2	rules in the literature and the research has been done around that. So let's look at the question.
0:44.2	The question is this. It says, hi, James, very much enjoy the podcast and have become a regular
0:48.0	listener. I have even gone back and listened to podcasts you have previously recorded.
0:52.4	Thank you for your efforts. You refer to the 4% rule and the need for a portfolio allocation to support that approach.
0:58.7	Can you provide your listeners more detail on what the portfolio allocation looks like to support
1:02.7	that 4% rule?
1:04.0	This question is from Michael.
1:05.2	And Michael, thank you very much for that question.
1:07.5	And yes, we'll be happy to.
1:09.1	So on today's episode, what we'll do is we'll walk
1:11.2	through just a quick summary of what those rules are, whether it's the 4% rule by Bill
1:15.3	Bangen or whether it's Guyton's guardrails. But more importantly, how do you invest in a way
1:20.4	or how does their research suggest that you invest in order to be able to take out those withdrawals?
1:25.4	Now, real quick, before we jump into today's episode,
1:27.7	wanted to highlight a recent review on the podcast.
1:30.4	This comes from Nath, 123, XYZ, WR-134, username.
	...

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