Retirement Planning Education, with Andy Panko cover image

#002 - What's the 4% Rule?

Retirement Planning Education, with Andy Panko

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What Is the Best Way to Capture Retirements?

The analysis was far from perfect, just because of lack of data, but he did the best he could. He wanted to capture this by all these rolling 30 year periods of assumed retirements. The assumption was, ok, what? What % of that portfolio can you take out in the first year of retirement? Then every year thereafter, during those 30 years, increase it or decrease it by the amount of inflation or deflation that there is in each subsequent year. So if you had a million dollar portfolio when you started, and you take out four % that first year, that means you would take out forty thousand dollars. And then, lets assume inflation goes up one % the following year,

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