As The Boomers Retire...

[bows00]

Any ideas on this?

 

With the current volatility in our market, the 4% rule can still work, but you still need a good withdrawal plan within your diversified investments.  Pulling 4% following a disastrous stock year (e.g. 2008/2009) could wipe out your nest egg much faster than you anticipated.  Thus, for me, I will be using the "bucket strategy", where I will have an option, following a sudden bear, to leave my riskier investments (stocks) alone and buy myself some time to allow the investment to bounce back while withdrawing from a bucket of money set aside in a safe bank savings account.