- American Retirement Insider
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- 06-09-25 ARI Digital Echo Lear (TPD 2nd)
06-09-25 ARI Digital Echo Lear (TPD 2nd)
Dear Patriot,
Yesterday, I walked you through the real math behind retirement income. But today, let’s tackle the big question: does the 4% rule still work?
The rule says you can withdraw 4% of your portfolio each year and not run out of money. But that was built on 1990s interest rates, stable markets, and low inflation. Sound like today? Not even close.
Now we’re dealing with:
Higher taxes
Lower bond yields
Longer lifespans
More volatility
The elites don’t follow old rules. They customize withdrawal plans, flex spending, and use tax brackets like puzzle pieces—not guesses.
Tomorrow, I’ll show you how dynamic withdrawal strategies can stretch your income and protect your future.
Sponsored Content
Dear [PROSPECT NAME],
You planned, sacrificed and saved for your future.
You worked hard to build a secure retirement.
And you deserve to enjoy your golden years without worrying about losing everything to economic calamity.
Unfortunately, your savings and investments are under attack from all sides:
- Costs of living are soaring and inflation is eating up your purchasing power...
- Yields are stagnating...
- And the market is a rollercoaster...
What’s worse...
Recession signals are flashing red…
JP Morgan analysts say chances of recession in 2025 are high.
The economist who called the 2008 crash Harry Dent says Trump won’t be able to avoid a “very nasty downturn”..
And Fox Business warns, “The generation that could suffer most from a market crash... is baby boomers, many of whom are entering retirement and relying on their portfolios.”
Even President Trump’s Treasury Secretary recently said “there are no guarantees” the U.S. will avoid a recession during President Trump’s second term.
For these reasons and more...
Thousands of patriots are shifting a portion of their savings into physical gold and silver to help protect their life’s work.
Inside, you’ll discover:
And a whole lot more.
Owning gold isn’t about fear—it’s about making wise financial choices, taking control of your money and preparing for the inevitable while you still can.
Sincerely,
Emily Reagan
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Sources:
- https://www.foxbusiness.com/media/trumps-post-election-market-boom-wont-stop-inevitable-doom-economist-harry-dent-warns
- https://money.usnews.com/investing/articles/will-the-stock-market-crash-risk-factors
- https://abcnews.go.com/Business/recession-risks-rising-economists/story?id=119626246
- https://www.newsweek.com/scott-bessent-no-guarantees-us-will-avoid-recession-2045623
Lear Capital, LLC
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Are you planning to follow the 4% rule in your retirement strategy? |
Fun Fact Of The Day
The 4% rule was based on a 30-year retirement—but nearly 1 in 3 retirees today will live longer than that.