When The 4% Rule Might Not Work

How much money can you sell each year during retirement?

That might depend on how long you’re retired. It certainly depends on the investment fees you pay. Too many financial advisors use the 4% rule.

But it might not work if your investment fees are high, or if your retirement lasts too long.

Image by Pixabay

Read the Article at Assetbuilder


Andrew Hallam

I’m a financial columnist for Canada’s national paper, The Globe and Mail, as well as for AssetBuilder, a financial service firm based in Texas. I’m also the author of Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School and Millionaire Expat: How To Build Wealth Living Overseas. My mission is to educate, motivate and inspire people on basic retirement planning and best practices for investing, using evidence-based strategies. I'm happy to comment on your questions.

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3 Responses

  1. Sara Macmillan says:

    Hi Andrew,

    My husband and I have read your books and followed your advice in leaving our financial advisor and opening an offshore brokerage account with Internaxx. We are Canadian expats with non-resident status currently living in the EU. We are interested in buying property overseas. Is there a way to do this without borrowing off assets? We’d be grateful for any advice you could give us.

    • Hi Sara,

      I’m not sure what you mean by “borrowing off assets?”

      Could you explain?


      • Sara says:

        Hi Andrew,

        Internaxx allows us to borrow off our investments. But we are going there is something more like a mortgage available for expats. We have tried at a local bank in Slovenia, and they are unable to help us.



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