You may be relying too much on the 4% rule — here’s how to update your calculati

The 4% rule is the closest thing personal finance has to a universally trusted retirement number. Take out 4% of your portfolio in year one, adjust for inflation annually, and your money should outlast you. But the rule was built for a very different market environment, and many retirees now face conditions that make it less reliable as a one-size-fits-all guide.

And it's a real concern. A Northwestern Mutual survey released in April found 48% of Americans believe it's somewhat or very likely they'll outlive their savings, which shows that many people still don't know if their money will last through retirement (1).

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Financial advisor William Bengen published the original framework in the Journal of Financial Planning in October 1994 (2). On a $1 million portfolio, a 4% first-year withdrawal works out to

Fuente original: Yahoo Finance (https://finance.yahoo.com/markets/articles/may-relying-too-much-4-094500936.html)