Hi, Shrewd!        Login  
Shrewd'm.com 
A merry & shrewd investing community
Best Of RIBest OfAll BoardsThe Shrewd’m WeeklyLearn to InvestHow to Become Shrewd
Search
Shrewd'm.com Merry shrewd investors
Search
Best Of RIBest OfAll BoardsThe Shrewd’m WeeklyLearn to InvestHow to Become Shrewd


The week's question
In December 2024, in the thread "Re: BRK: Why Not XOM?", BreckHutHigh asked the members: "What about the long road trips with kids?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
Answer this questionContinue to Shrewd'mThis note won't appear again
Personal Finance / Retirement Investing
Unthreaded | Threaded | Whole Thread (34) |
Author: AdrianC   😊 😞
Number: of 1281 
Subject: Re: The 4% rule inventor makes some revisions
Date: 08/22/25 9:34 AM
Post New | Post Reply | Report Post | Recommend It!
No. of Recommendations: 0
I’m a 2000 retiree who stuck to 100% equities with a little timing, after living expenses have > 5X starting balance. Early years of MI worked well, much less so last 12 years but still better than indexing. My timing reduced the volatility but didn’t increase the long-term gain. My unorthodox view is that one should reduce the 40% bond portion of your investments by 5 times your SS and pension. Let them be part of the stable portion of your long term plans.

Were you pulling out an inflation-adjusted 4% each year?
Post New | Post Reply | Report Post | Recommend It!
Print the post
Members reply directly to AdrianC here — and replies get answered. Reading is free; so is joining the conversation. Join Shrewd'm »
This community has written 1,207 posts about Retirement Investing. The article-length ones it recommended most:
The Case for Long-Term Buy and Hold Investing · 49 recs · 2025
Transferring assets to the next generation · 20 recs · 2025
Retirement Year 8 · 17 recs · 2025
(nearly) year one of retirement has been good · 11 recs · 2026
Buying Treasuries Via Vanguard · 10 recs · 2023
Unthreaded | Threaded | Whole Thread (34) |


Announcements
Retirement Investing FAQ
Contact Shrewd'm
Contact the developer of these message boards.

Best Of RI | Best Of | Favourites & Replies | All Boards | Followed Shrewds | Open Questions | Moving a community