Since 1981
The 4% Rule May Not Work. There is no hard and fast way to create reliable income in retirement, and opinions vary greatly. The 4% rule basically says that after you have a certain amount of money put away, you can safely withdraw 4% of it every year to live on.
Some advisors now say 5% works, or 2%, and some have a completely different methodology for calculating withdrawals. Other advisors have developed alternative strategies which may hedge against stock market risk.
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Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Advisor. Horter Investment Management does not provide legal or tax advice. Past performance is not indicative of Investment of future results. Investing can be risky. Investors can and do lose money. Advisor Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Tidmore Financial. Securities transactions for Horter Investment Management clients are placed through AXOS AdvisorServices, Charles Schwab & Co., Inc., and Nationwide Advisory Solutions.