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Comment by whateveracct | Hacker News Reader

I think 4% is still a fine thing to plan around. I don't think it's wise to plan as if today's treasury rates will last your entire retirement.

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You can lock in cash flowing assets today yielding 6%+ with very low risk. Think REITs with conservative portfolios and strong balance sheets.

You can lock in today's treasury rates for 30 years by buying a 30Y treasury bond.

So, yes, they will last if you understand where to put your money. The options are extremely numerous and plentiful now in cash flowing assets, and you don't have to deal with the uncertainty of selling off principal in down markets to finance your retirement

6% after inflation? The problem with 30yr bonds is that it is effectively 2% assuming 2.5% inflation rate. Stock returns have been generally around 10% even after accounting for inflation. A good mix is critical and what is a good mix depends on the personal circumstances.

Are you trying to retire with stable cash flow, or grow your wealth?

For many, retirement is first and foremost about generating a stable income. A guaranteed lower rate of return is usually desirable over a speculative higher rate of return.

Certainly, but a stable inflation-adjusted income. If your income is stable in nominal dollars, then it is constantly decreasing in real dollars.

The 4% rule, by definition, provides stable cash flow.

30Y treasury bond yielding 4.625% according to this source[0]. Please educate me so I can understand where you are seeing 6%+

[0] https://www.treasurydirect.gov/marketable-securities/treasur...

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