The 4% Withdrawal Rule Breaks Down When You Need Your Money to Last 30 Years
Planning a 30-year retirement drastically changes withdrawal rules, asset allocation, and the need for sustained equity exposure to avoid outliving savings.
For a $1.8m Retiree, Timing Matters More Than Total Savings
Sequence-of-returns risk can permanently reduce retirement portfolio sustainability if substantial market losses occur early in retirement, even when markets later recover.
