Tag Archives: spending

Part two: The 4% spending rule, 20 years later

Thanks very much for the thoughtful comments from my blog post on the 4% spending rule. It was terrific to read your comments and questions, and the best practices that you’re willing to share with other readers. Since it would … Read more

Saving vs. investing: Is there a difference?

Saving. Investing. It’s all the same, right?

Not necessarily.

When Vanguard clients come to me for financial advice, they often use the terms “saving” and “investing” interchangeably. Most of the time, they refer to longer-term goals—“I’m saving for my son’s … Read more

The transition from retirement saver to spender

You have worked most of your life and now it’s time to start looking at the next phase. How do you do that?

The first thing you need to do is picture what your retirement will look like—if you’re going … Read more

The 4% spending rule, 20 years later

A week doesn’t go by where I don’t see some type of headline news discussing the viability of the venerable 4% spending rule. Indeed a simple internet search will yield over 5 million results! It’s no wonder that retirees may … Read more

Do sweat the small stuff

In most areas of life, it’s often best if we ignore the little things that we typically can’t control, such as traffic on the way to work or rain on your wedding day. However, in my opinion, you should sweat … Read more

The second half of retirement

I’ve been spending a great deal of time with 80- and 90-year-olds recently. My mom (now in her mid-80s) just moved to a new retirement community, and so it’s been a wonderful opportunity to observe older retirees in a personal … Read more

Does the 4% rule hold up?

I’m often asked what I think about the “4% rule” for spending in retirement. According to this rule of thumb, an individual who is planning on a 30-year investment horizon and is holding a broadly diversified and balanced investment portfolio … Read more

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