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Subject:  Re: Talk me out of a Financial Advisor Date:  6/2/2013  4:05 PM
Author:  Rayvt Number:  72373 of 78166

but the 4% rule is based on historic returns of a simple portfolio. If a more complex portfolio can be structured to either increase the average annual return or smooth out the valleys at the same return, both after fees, wouldn't the SWR be higher?

Indeed, yes. It's the volatility that forces you to use a lower withdrawal rate than the average Growth Rate.
But don't make the common mistake of assuming "more complex" is ipso facto better.

First of all, simple mechanical timing (like 10-month SMA written about by