Robert Croak
speaker
6,616 appearances
39 recordings
1 series
first heard Jun 2026
last heard 3d ago
Robert Croak’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 39 in all, peaking in Aug 2026 with 13.
Appearances
It needs to cover the remaining $80,000.
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That's the gap your assets actually have to close.
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Definitely segment number two is you have to build that nest egg to draw the portfolio income off of.
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So now we've got our number, let's use the $80,000 gap from our example.
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How big does our portfolio actually need to be to reliably produce
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$80,000 a year without us ever running out of money.
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This is where the 4% rule comes in.
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The 4% rule is one of the oldest and most tested frameworks in personal finance.
podcast-host
It says that if you withdraw 4% of your portfolio's value in year one of retirement and then adjust that dollar amount for inflation every year after, historically your money has a high probability of lasting 30 plus years without running out, even accounting for market downturns along the way.
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Definitely, but I want to linger for a minute about 4% being a guideline, because some people in our peer groups say, hey, the 4% rule is great, but it's okay if you spend 6%, 8% or whatever.
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No, it's not.
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We are living longer as human beings and it's going to continue to get better for all of us because of AI and technology and modern medicines.
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So I think it is very important to understand that, yes, if you had a down year or you had something come up and you needed to spend five or six percent, you could probably recover from it.
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But do not look at it as just this basic rule that is not important.
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So you don't run out of money.
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So I just wanted to linger on that for a minute.
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I think it's important for everyone.
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So this is where income-focused strategies come in as an actual solution to the problem.
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Not a replacement for the 4% rule, but a tool that changes how you can remain true to it and execute upon it.
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Funds like the ones Nios runs are built specifically to generate monthly income directly from your portfolio through these option-based strategies instead of forcing you to sell your underlying shares to create profits.
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Showing 941–960 of 6,616 · page 48 of 331
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