The Mathematics of Retirement
Retirement planning is not just about saving money; it is about out-pacing inflation and ensuring your money lasts longer than you do. The two biggest enemies of retirement are inflation and sequence of returns risk.
Intelligence Insight: Most experts recommend the "4% Rule" as a safe withdrawal rate. However, for a 30-year retirement in high-inflation environments, you must ensure your post-retirement portfolio still contains enough equity to generate real returns above inflation!