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The 4% retirement rule succeeds over 90% of the time across 30 years, while the 5% rule fails 3 out of every 10 retirees before time runs out.
On a $750,000 portfolio, the 5% rule delivers $7,500 more annually, but early market downturns hit harder since more shares sell at depressed prices.
The 5% rule works best as a temporary bridge until Social Security or a pension kicks in, then dropping to 4% becomes the smarter move.
Read More: Learn 7 ways to generate income with a $1,000,000+ portfolio (sponsor)
