- Knowledge Centre
We all have our own retirement dreams…
That idyllic stage of our lives when you can do the things you want…
As long as your income supports it.
But what happens if you run out of money?
For many years, advisers have spoken about the ‘4% Rule’.
Essentially, it’s the idea retirees can safely withdraw 4% of their portfolio each year as an income…
But it’s not that simple when you account for inflation.
Another rule of thumb is “Your Age in Bonds”.
As a 50-year-old, for example, you should have 50% of your portfolio in bonds.
At 75, your asset allocation should be 75:25 (to stocks).
But both rules are not sufficient on their own.
Watch the video to understand why.
Financial rules of thumb and ideas are good ways to build investment habits.
But it’s their application to your individual (and constantly changing) circumstances which is critical to your success.
Try not to leave it too late or make many mistakes.
Contact us to find out what they are, and how you can start applying them today.
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