Could the "4% Rule" still apply if you retire early?

While not an absolute rule by any means, the "4% Rule" (withdrawing 4% of your portfolio every year, adjusted for inflation) has been a reasonable guide for calculating retirement income from investments. However, can it still work for those who seek "Financial Independence (to) Retire Early (FIRE)?" Don crunches the numbers?

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Even some major insurance firms hate equity indexed annuities.

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Taxes can hit some mutual fund investors when they least expect it.