The New 4% Rule? How Dividend ETFs Are Rewriting Retirement Math
Dividend-focused ETFs provide steady cash flow that lets retirees avoid selling principal under the traditional 4% rule, reducing sequence-of-returns risk in today's market.
Warren Buffett's 90/10 Rule: Why Most Retirees Are Doing It Wrong
A 90% S&P 500 / 10% short-term government bond allocation amplifies sequence-of-returns risk for retirees and suits only very long-term, nondependent investors.