Dangers of the 4% Rule - Safe Withdrawal Rates for Federal Employees скачать в хорошем качестве

Dangers of the 4% Rule - Safe Withdrawal Rates for Federal Employees

The 4% withdrawal rule in retirement has been the standard since the early 1990s. If you've never heard of the 4% rule, that's OK, I will give a brief history of where it came from and provide a down to Earth example of how it works. I will also go more in-depth with the math of one of the many challenges, share my concerns with the 4% rule, and finally how it uniquely affects many federal employees. Welcome to Financial Planning 4 Feds. We are dedicated to educating federal employees on how to maximize value from their government benefits by developing and executing a financial plan. In this episode we will go over: What the 4% Rule is How to Apply the Rule How the Rule affects Federal Employees 0:00 Intro 1:22 The 4% Rule Explained 3:53 Does the Math Really Work? 5:36 Dangers of the Rule 11:30 How Withdrawals Affect Federal Employees 14:22 What if You Don't Have Enough to Retire? Get your copy of the eBook: https://mailchi.mp/valorwealthpartner... Report from Jonathan T. Guyton, CFP® and William J. Klinger: https://cornerstonewealthadvisors.com... Federal employees and their spouses are invited to complimentary educational workshops covering their federal benefits. For details, visit: https://fedimpact.com/VWP Federal Benefit Resources: https://www.opm.gov/ https://www.tsp.gov/ https://www.myfederalretirement.com/c... https://www.myfederalretirement.com/ https://www.fedsmith.com/ Would you like to know more? https://www.valorwealthpartners.com/   / smithec     / valor-wealth-partners     / valorwealthpartners