"The rule ... suggests that if you make annual withdrawals of 4% or less of your portfolio’s starting balance, and you follow a moderate stock/bond mix, you can expect your money to last for at least 30 years. "Although the rule has come under question by those concerned with today’s conditions, it’s worth noting that the historical data supporting (the rule) contains several severe market scenarios, including the 1930s.
Investors often misuse the 4% rule, steering them away from solutions that could more effectively make their money last in retirement. When I first started in this career, people commonly asked questions like, â€œMarkets average around 10% annually, so I shouldnâ€™t I be able to withdraw that much from my investments in retirement?â€? I met numerous retirees who had been way too aggressive in both their portfolio and distribution plan, with many now facing huge shortfalls.
Strictly following the conventional approach to pulling retirement income could rob people of control over their taxes. Taken on face value, the conventional wisdom regarding which order to draw down your accounts in retirement is fundamentally flawed. And when followed blindly, it could potentially deduct years from the life of your retirement portfolio. Most investment advice suggests that retirees should spend down their taxable assets first (meaning stocks, bank accounts, etc.
Muck Rack makes it simple to find people, tweets, or articles that mention any name, keyword, company, hashtag etc. We've compiled this guide to help you make the most of your search.
Selecting a term
Start searching tweets, articles from media outlets, articles mentioned in tweets, journalists'
names, titles and bios with some suggested searches:
Companies or Topics (e.g. iPhone, Microsoft)
Phrases (e.g. "cloud computing") — use quotes to keep the terms together
Twitter handles (e.g. @username) — returns those who have mentioned or replied to
Names (e.g. "David Pogue")
Hashtags (e.g. #sxsw, #london2012)
Bio details (e.g. vegan, Olympics, father)
Muck Rack's Advanced Search allows for many boolean operators.
Find results that mention multiple specified terms, use AND or
+. For example, ensure each result contains both Elon Musk and Mark Zuckerberg by
searching Musk AND Zuckerberg or Musk + Zuckerberg.
Use the operators OR or , to broaden your search when you'd like either of
multiple terms to appear in results. (This is the default behavior of our search when no operators
are used). For example, results will contain either cake or cookie by searching cake OR cookie or cake,cookie
Use NOT or - to subtract results from your search. For
example, searching Disney will yield results about the Walt Disney Company as well as Walt Disney
World Resort. To exclude mentions of Disney World, search for Disney -World or Disney
When using one of these operators with a phrase, enclose it in quotation marks. For example, you can
find results about smartphones excluding Apple's iPhone 4S by searching smartphone -"iPhone
Exact case matching or punctuation
If you're searching for a brand name or keyword that relies on specific punctuation marks or capitalization, you can
find results that match your exact query by adding matchcase: before the keyword you're searching for, like matchcase:E*TRADE .
Use parentheses to separate multiple
boolean phrases. For example, to find journalists talking about having fun in Disney World or
Disneyland, search for ("disney world" OR disneyland) AND fun.
An asterisk can be used to search for any variation of a root word truncated by the asterisk. For example, searching for admin* will return results for administrator, administration, administer, administered, etc.
A near operator is an AND operator where you can control the distance between the words. You can vary the distance the near operation uses by adding a forward slash and number (between 0-99) such as strawberries NEAR/10 "whipped cream", which means the strawberries must exist within 10 words of "whipped cream".