https://seniorplanet.org/articles-the-4-percent-rule/ Aging With Attitude Wed, 14 Jan 2026 07:10:43 +0000 hourly 1 https://seniorplanet.org/articles-the-4-percent-rule/#comment-626483 Wed, 14 Jan 2026 07:10:43 +0000 https://seniorplanet.org/?p=209330#comment-626483 The Standard and Poor’s 500 index has averaged annual gains of 10% in the last ten years, probably longer. So if you have your retirement in a low-cost fund tied to it, 4% seems excessively conservative.

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