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The 4% Rule: Risks of an All-Equity Retirement Folio
Mint New Delhi
|June 10, 2025
Retirees are often drawn to a tempting idea: since equities tend to deliver higher long-term returns, holding more of them in a retirement portfolio should improve outcomes.
Wouldn't it be nice to escape the meagre 3% withdrawal rate by leaning more on equities? Unfortunately, it's not that simple. Beyond a point, raising equity allocation can reduce—not increase—the withdrawal rate. The reason lies in a crucial but often overlooked concept: sequence of return risk. In portfolios with regular withdrawals, it's not just the returns but the order in which they come that can have a big impact.
Diese Geschichte stammt aus der June 10, 2025-Ausgabe von Mint New Delhi.
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