A retirement heuristic suggesting you can spend 4 percent of your portfolio annually without depleting it, a useful starting point that masks deeper questions about volatility, sequence of returns, and whether a mathematical rule can replace honest assessment of your actual needs. It works best for people who've first asked what they actually want to do with their time.
Peri can explain this concept, give practical examples, help you decide whether it applies to your situation, or recommend a journey if appropriate.
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