The 4% Rule and 60/40 Portfolio—Outdated or Essential?

Are the “gold standard” rules of retirement planning quietly failing today’s retirees? In this episode of The Florida Retirement Podcast, Murrell Winter revisits the 4% rule and the classic 60/40 portfolio to see how they hold up in a modern market. He breaks down why these once-reliable guidelines may not fit every situation, how market conditions and interest rates have shifted the landscape, and the risks of relying on one-size-fits-all strategies. The conversation also explores flexible withdrawal strategies, alternative approaches to diversification, and the importance of building an income plan that adapts over time. Ready to build your retirement plan? Click here to connect with Murrell and the team today! Follow us on social media: Facebook | InstagramSee omnystudio.com/listener for privacy information.