Retirement Strategy: The 4% Rule & Guardrails for Financial Independence
May 2, 2025
In this video we are talking about which Retirement Income Strategy works best for the Average Joe Investor. Retirement Income Strategies like the 4% Rule OR The Guyton-Klinger Strategy work well BUT require significant levels of capital. In this video I back test the strategy of selling covered calls on the S&P 500 Index (SPY ETF).
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Overview of Retirement Income Strategies
Retirement income strategies are designed to help retirees convert their savings and assets into a reliable stream of income that will last throughout their retirement years. There are several approaches, each with distinct advantages and disadvantages, and many retirees use a combination to balance income stability, growth, and flexibility.
Common Retirement Income Strategies
1. Interest and Dividends Only
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