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Listen "The Truth About The 4% Rule"
Episode Synopsis
Welcome back to the Runway to Retirement Podcast, Episode 15.
In this episode, Rob McGregor takes a deep look at one of the most common questions in retirement planning: how much capital do you actually need for a good retirement. You may have heard of the 4 percent rule, a guideline that suggests you can withdraw 4 percent of your invested money each year and have it last for 30 years. Rob explains where the rule came from, how it works, and most importantly, when it is helpful and when it completely falls apart.
Drawing on long term market data, real numbers and the same calculators he uses with private clients, Rob shows why your ideal withdrawal rate depends on your investment approach, your risk comfort, and your goals. He compares conservative, balanced and growth portfolios and reveals how changing your investment assumptions can increase or reduce the amount of income you can safely draw over decades.
It is a practical and eye opening conversation that moves past simple rules of thumb and helps you think confidently about what you will need to fund the retirement you want.
Each Week Runway to Retirement will be exploring what it means for your journey toward a secure and enjoyable retirement. Whether you’re just starting to plan or already on your way, we’re here to share insights and perspectives to help you feel more confident about your future.
Learn more on our website: https://www.runwaytoretirement.com.au
Download our free guide The 5 Essential Steps to an Awesome Retirement here (bonus walkthrough video): https://www.runwaytoretirement.com.au/5ESARChecklist
The How Much Calculator - Every Financial Plan Starts by Looking Ahead. Access our How Much Calculator to identify your income needs in retirement and the assets you would need to make this a reality: https://www.runwaytoretirement.com.au/howmuchworkshop
COMING SOON – Build Your Financial Plan Over a Weekend. Leverage smart strategies for your unique situation, retire with confidence and style.
In this episode, Rob McGregor takes a deep look at one of the most common questions in retirement planning: how much capital do you actually need for a good retirement. You may have heard of the 4 percent rule, a guideline that suggests you can withdraw 4 percent of your invested money each year and have it last for 30 years. Rob explains where the rule came from, how it works, and most importantly, when it is helpful and when it completely falls apart.
Drawing on long term market data, real numbers and the same calculators he uses with private clients, Rob shows why your ideal withdrawal rate depends on your investment approach, your risk comfort, and your goals. He compares conservative, balanced and growth portfolios and reveals how changing your investment assumptions can increase or reduce the amount of income you can safely draw over decades.
It is a practical and eye opening conversation that moves past simple rules of thumb and helps you think confidently about what you will need to fund the retirement you want.
Each Week Runway to Retirement will be exploring what it means for your journey toward a secure and enjoyable retirement. Whether you’re just starting to plan or already on your way, we’re here to share insights and perspectives to help you feel more confident about your future.
Learn more on our website: https://www.runwaytoretirement.com.au
Download our free guide The 5 Essential Steps to an Awesome Retirement here (bonus walkthrough video): https://www.runwaytoretirement.com.au/5ESARChecklist
The How Much Calculator - Every Financial Plan Starts by Looking Ahead. Access our How Much Calculator to identify your income needs in retirement and the assets you would need to make this a reality: https://www.runwaytoretirement.com.au/howmuchworkshop
COMING SOON – Build Your Financial Plan Over a Weekend. Leverage smart strategies for your unique situation, retire with confidence and style.
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