Comments on: The 4% Rule to Investing http://investorjunkie.com/377/the-4-percent-rule-to-investing/ My Business and Financial Freedom Journey Tue, 07 Feb 2012 03:50:04 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Investor Junkie http://investorjunkie.com/377/the-4-percent-rule-to-investing/#comment-33548 Investor Junkie Fri, 12 Aug 2011 15:49:16 +0000 http://investorjunkie.com/?p=377#comment-33548 I agree about REITs, only if they are tax differed accounts though. I agree about REITs, only if they are tax differed accounts though.

]]> By: David http://investorjunkie.com/377/the-4-percent-rule-to-investing/#comment-33547 David Fri, 12 Aug 2011 15:47:45 +0000 http://investorjunkie.com/?p=377#comment-33547 Only a few of the aristocrats pay more than 4% dividends (CTL, CINF ED PBI LEG) those should be worth looking into. My REIT pick is NLY, which should be safer now knowing the rates won't rise for 2 years. Only a few of the aristocrats pay more than 4% dividends (CTL, CINF ED PBI LEG) those should be worth looking into. My REIT pick is NLY, which should be safer now knowing the rates won’t rise for 2 years.

]]> By: Investor Junkie http://investorjunkie.com/377/the-4-percent-rule-to-investing/#comment-318 Investor Junkie Tue, 16 Feb 2010 21:39:10 +0000 http://investorjunkie.com/?p=377#comment-318 Great point about whole life insurance! That is another possible investment I didn't think about mentioning. I'll add it to the list. Great point about whole life insurance! That is another possible investment I didn't think about mentioning. I'll add it to the list.

]]> By: Sara Miller http://investorjunkie.com/377/the-4-percent-rule-to-investing/#comment-256 Sara Miller Fri, 12 Feb 2010 00:50:21 +0000 http://investorjunkie.com/?p=377#comment-256 I know this might not be the most appropriate place to post this but for other readers living in the USA are you concerned about the debt? It just seems like it is getting to the point where the country is going to go bankrupt and my husband and I are just a little concerned that our kids and grandkids are going to have some big problems in a few years. Thanks for letting me vent, Sara I know this might not be the most appropriate place to post this but for other readers living in the USA are you concerned about the debt? It just seems like it is getting to the point where the country is going to go bankrupt and my husband and I are just a little concerned that our kids and grandkids are going to have some big problems in a few years. Thanks for letting me vent, Sara

]]> By: Evolution Of Wealth http://investorjunkie.com/377/the-4-percent-rule-to-investing/#comment-24 Evolution Of Wealth Thu, 17 Dec 2009 03:15:59 +0000 http://investorjunkie.com/?p=377#comment-24 You forgot an investment that will consistantly beat 4%. Parcipitating whole life insurance. I should probably be more specific than that because I wouldn't go so far as to say any policy will. That's the tricky part. Most people (including those who sell the policy) don't know how to set up the policies properly to get competitive rates of return. It's all in how you fund it. I properly set up whole life insurance policy can easily give you a return over 4% with built in guarantees. It's nice to not have to worry about down years. You forgot an investment that will consistantly beat 4%. Parcipitating whole life insurance. I should probably be more specific than that because I wouldn’t go so far as to say any policy will. That’s the tricky part. Most people (including those who sell the policy) don’t know how to set up the policies properly to get competitive rates of return. It’s all in how you fund it. I properly set up whole life insurance policy can easily give you a return over 4% with built in guarantees. It’s nice to not have to worry about down years.

]]> By: Investor Junkie http://investorjunkie.com/377/the-4-percent-rule-to-investing/#comment-23 Investor Junkie Wed, 16 Dec 2009 03:54:22 +0000 http://investorjunkie.com/?p=377#comment-23 Thanks Wojciech for the comment. I also just found this blog post on a related topic of emergency funds: http://badmoneyadvice.com/2009/10/conventional-wisdom-the-emergency-fund.html Thanks Wojciech for the comment. I also just found this blog post on a related topic of emergency funds:

http://badmoneyadvice.com/2009/10/conventional-wisdom-the-emergency-fund.html

]]> By: Wojciech Kulicki http://investorjunkie.com/377/the-4-percent-rule-to-investing/#comment-22 Wojciech Kulicki Wed, 16 Dec 2009 03:48:13 +0000 http://investorjunkie.com/?p=377#comment-22 Great post, and you're absolutely right, most of us don't consider inflation and taxes, we just blindly invest and/or save our merry way forward and think we're getting an okay deal. One of the changes I made this year was making sure 100% of my "savings" money was sitting in an investment account. That just sets me up to do something more with it than just let it sit there at 0.50%. We took minimal risk, but were rewarded (for now) with the rising stock market. Great post, and you’re absolutely right, most of us don’t consider inflation and taxes, we just blindly invest and/or save our merry way forward and think we’re getting an okay deal.

One of the changes I made this year was making sure 100% of my “savings” money was sitting in an investment account. That just sets me up to do something more with it than just let it sit there at 0.50%. We took minimal risk, but were rewarded (for now) with the rising stock market.

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