2d • General
Myth #6: "The 4% Retirement Rule Always Works"
"Retire on the 4% rule and hope you don't hit a bear market in year one."
Hope is not a strategy. Proper allocation is.
The 4% rule works IF your portfolio is allocated efficiently. A random 60/40 works 95% of the time. A PNL-weighted portfolio works 97-98% of the time.
The difference? When the market crashes, your optimized allocation recovers faster because you're allocated for recovery, not just diversification.
Don't retire on theory. Retire on a proven allocation with proven recovery mechanics.
PNL's weights are designed for both growth AND stability. That's why they work through crashes.
The rule isn't magic. The allocation is.
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Myth #6: "The 4% Retirement Rule Always Works"
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