The 4% Rule Worked in the Past. Will It Fail the Next Generation of Retirees?
Key takeaways
- Maurie Backman, The Motley Fool Mon, May 11, 2026 at 5:54 AM GMT+7 4 min read For decades, the 4% rule has been one of the most widely cited guidelines in the context of retirement planning.
- The 4% rule has gained a lot of popularity over the years because it addresses a core fear among retirees -- running out of money.
- Our team just released a report on a little-known company, called an "Indispensable Monopoly," providing the critical technology Nvidia and Intel both need.
Maurie Backman, The Motley Fool Mon, May 11, 2026 at 5:54 AM GMT+7 4 min read For decades, the 4% rule has been one of the most widely cited guidelines in the context of retirement planning. The idea is simple -- withdraw 4% of your savings during your first year of retirement, adjust future withdrawals for inflation, and theoretically enjoy a portfolio that lasts roughly 30 years.
The 4% rule has gained a lot of popularity over the years because it addresses a core fear among retirees -- running out of money. The rule is based on actual market data.
Will AI create the world s first trillionaire? Our team just released a report on a little-known company, called an "Indispensable Monopoly," providing the critical technology Nvidia and Intel both need. Continue »