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Why the 4% Rule May Not Be Safe for Today's Retirement—And How to Adjust Your Plan
The classic 4 percent rule, born from 1990s research on 30‑year retirements, suggests withdrawing 4 % of a portfolio in the first year and adjusting for inflation thereafter. Today’s retirees often face 35‑40‑year horizons, higher health‑care costs, and lower expected market returns due to elevated equity valuations and weak bond yields. Experts now warn that a rigid 4 % withdrawal can either curtail lifestyle spending or deplete savings prematurely. Flexible strategies—such as guardrails, bucket approaches, or lower starting rates—allow adjustments as market conditions and personal needs evolve.
Why Indian Investors Need Global Exposure Today
On May 20 2026 the rupee slipped to a record low of Rs 96.97 per dollar, underscoring the urgency for Indian investors to add foreign exposure. Since the 1991 liberalisation the currency has depreciated about 5% annually, with a 12% drop in the...
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How to Calculate Principal and Interest
The article explains how to calculate principal and interest for simple‑interest and amortized loans, using a $300,000 mortgage at 4% as a concrete example. It outlines the basic SI = P×R×T formula, shows how fixed‑rate payments stay constant while the...
Investing in the Dow or S&P 500 Doesn’t Matter — Here’s What Actually Doe...
The Dow Jones Industrial Average marked its 130‑year anniversary on May 26, 2026, underscoring the power of long‑term market exposure. Over more than a century, the index has weathered wars, recessions, and technological upheavals while delivering positive real returns for patient investors....
Should We Sell Our Arizona Rental to Fund Retirement — or Keep It? Wealth Wise Advises
A New England couple, ages 63 and 65, own an Arizona rental worth $340,000 with a $75,000 mortgage at 3.9% and net $700 of monthly cash flow. They receive Social Security Disability, a pension, and annuities, but worry about inflation...