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Risk Parity Radio
Episode 339: THEY Just Admitted Its The 5% Rule Like We've Been Saying, FI Is For Everybody And Answers To Your Emails
May 9, 2024
36:14
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Topics discussed include the 5% withdrawal rule for financial planners, financial independence, preferred shares fund PFF, a proposed portfolio, and managing portfolio check-ins to avoid insanity. Humorous responses to negative reviews and listener emails add entertainment to the episode.
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Quick takeaways
- Aim for a 5% safe withdrawal rate in retirement versus the traditional 4% rule, emphasizing tailored strategies for better outcomes.
- Construct a diversified portfolio with assets like stocks, bonds, and gold to support sustainable withdrawals, while balancing periodic reviews and disengagement for financial peace of mind.
Deep dives
Rethinking the 4% Rule for Retirement Withdrawals
Financial advisor David Blanchett suggests a 5% safe withdrawal rate for retirees, challenging the traditional 4% rule. By using better portfolios and management techniques, retirees can aim for higher withdrawal rates. This shift in perspective refutes previous claims that the 4% rule was no longer feasible, emphasizing the importance of tailored strategies.
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Discover
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