Why The 4% Withdrawal Rule For Retirement Is History

A recent article discusses a savings target based on 4% withdrawal vs 3.5%. According to John L. Smallwood, the target is the problem.Q2 2020 hedge fund letters, conferences and moreThe 4% Withdrawal Rule Is HistoryIt is impossible to predict how much money you will need in retirement since the all the variables of the equation are subject to change.Life expectancy. You don’t know if you will live 10 years into retirement—or 50.When the 4% rule was created, the 10 year treasury was around 7% in 1992, 10 years earlier in 1982 it was 15.8%, in 1972 it was around 7%. Today it is .69%You don’t kno…

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HEDGE accordingly