When, how to tap nest egg is tough call
Interesting article in Globe Investor July 6th 2015: Research paper concludes; “People who use the 4% rule can end their lives with large amounts of unspent cash!” Deciding the rate at which you access your retirement nest egg is a nerve-wracking challenge. The 4% rule keeps your spending at a constant level, in after-inflation terms. This is because it is designed to allow your portfolio to soldier through even a Great depression. Many people will not experience this in their life time leaving extra cash.
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