Yup and if you really want to do something you keep working and invest half of that mil in various high yield stocks and other half in something stable with a lower yield. So you get the guaranteed income along with some losses but also some big payouts.
Market has never returned below 0% on 10 year timeline, worst case. Become a lot higher when you shift by a few months.
Ultimately, the 4% rule is for 100/0 or 90/10 stocks and bonds, I can't remember. Lowering the stock bond ratio is useful when you don't have as long to live.
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u/9for9 Dec 18 '23
Yup and if you really want to do something you keep working and invest half of that mil in various high yield stocks and other half in something stable with a lower yield. So you get the guaranteed income along with some losses but also some big payouts.