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The 4% rule is now the 4.7% rule. That matters for your retirement. | Flipboard

Flipboard · · 342 words · By USA TODAY Money
Global Economy and Technology Investment and Market Trends Personal Finance and Retirement

The provided text is a collection of news snippets and headlines covering various financial topics, including retirement withdrawal rules, investment strategies, labor strikes at Samsung, and cryptocurrency outflows from BlackRock.

open_in_new Read the original article: https://flipboard.com/topic/news/the-4-rule-is-now-the-4-7-rule-that-matters-for…

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10%
Propaganda Score
confidence: 90%
Low risk. This article shows minimal use of propaganda techniques.

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Loaded Language 70% confidence
Using words with strong emotional connotations to influence an audience.

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6 claims extracted and verified against multiple sources including cross-references, web search, and Wikipedia.

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“Back in 1994, financial adviser Bill Bengen came up with a retirement principle called the 4% rule.”
CORROBORATED
Multiple independent sources, including Wikipedia and financial education sites (Citizens, Medium), confirm that Bill Bengen created the 4% rule in 1994.
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web search NEUTRAL — William P. Bengen is a retired financial adviser who first articulated the 4% withdrawal rate as a rule of thumb for withdrawal rates from retirement savings; it is eponymously known as the "Bengen ru…
https://en.wikipedia.org/wiki/William_Bengen
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web search NEUTRAL — Ditching the “4% rule” is good news, as the actual safer percentage appears to be higher.It was formulated by Bill Bengen, a financial adviser in California, and published in an article in the Journal…
https://mikepumphrey.medium.com/even-the-person-who-created-…
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web search NEUTRAL — The 4% rule was first introduced by financial advisor Bill Bengen in 1994. His goal was to create a straightforward method for determining a sustainable withdrawal rate.
https://www.citizensbank.com/learning/four-percent-rule-of-r…
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“The 4% rule says you should plan to spend 4% of your savings in the first year of retirement, and spend the same amount, adjusted for [inflation]”
CORROBORATED
Multiple sources (PensionBee, other financial guides) describe the 4% rule as withdrawing 4% in the first year and adjusting for inflation in subsequent years.
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web search NEUTRAL — The 4% rule for retirement is pretty simple. You just withdraw 4% of your retirement savings in Year 1, then adjust future withdrawal amounts up or down with the rate of inflation. Here’s how the math…
https://webflow.pensionbee.com/us/blog/the-4-rule-for-retire…
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web search NEUTRAL — This rule suggests withdrawing 4% of your retirement savings in the first year and adjusting it each year for inflation after that.
https://www.farther.com/resources/foundations/what-is-4-rule…
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web search NEUTRAL — The first year, the retiree would withdraw $4,500. Assume inflation that year is 10 percent.Bengen says if retirement lasts 35 years, for example, the rule would be 4.3 percent. He subtracts 0.1 perce…
https://www.annuity.org/retirement/four-percent-rule/
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“Billionaire Bill Miller Beat the S&P 500 for 15 Consecutive Years.”
CORROBORATED
Three independent sources confirm Bill Miller beat the S&P 500 for 15 consecutive years, specifically citing the period from 1991 to 2005/2006.
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web search NEUTRAL — But Bill Miller is one of them. Miller famously beat the S&P 500 (^GSPC 1.24%) for 15 consecutive years, from 1991 to 2005. His specialty is identifying deep value opportunities overlooked or spurned …
https://www.fool.com/investing/2026/05/17/billionaire-bill-m…
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web search NEUTRAL — True, over a period of 15 consecutive years from 1991 to 2006, Miller’s Legg Mason Value Trust (LMVTX) was able to outperform the S&P 500.
https://www.forbes.com/sites/greatspeculations/2012/05/01/bi…
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web search NEUTRAL — Legg Mason Capital Management has named an eventual successor to veteran asset manager Bill Miller, whose fund outperformed the S&P 500 for 15 consecutive years before its winning streak came to an en…
https://www.fnlondon.com/articles/replacment-bill-miller-201…
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“A 45,000-person labor strike at Samsung’s memory chip plants”
CORROBORATED
Multiple news sources report a 45,000-person labor strike at Samsung's memory chip plants and its potential impact on the AI boom.
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web search NEUTRAL — In 2023, Samsung announced its decision to reduce the production of memory chips. This action is on account of the company's projected 96% decline in quarterly operating profit - a 600 million won dec…
https://en.wikipedia.org/wiki/Samsung
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web search NEUTRAL — Samsung operates 12 fabrication lines, employs over 260,000 people worldwide, and is investing $73 billion in semiconductor capex and R&D this year alone, the largest single-year chip investment by an…
https://fortune.com/2026/05/17/labor-strike-samsung-ai-hbm-c…
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web search NEUTRAL — A 45,000-person labor strike at Samsung's memory chip plants could throw a wrench into the AI boom.Samsung Strike Risks AI Chip Supply, Profit May Drop $14.08–20.79 Billion.
https://news.google.com/stories/CAAqNggKIjBDQklTSGpvSmMzUnZj…
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“Samsung makes about a third of the world’s DRAM”
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While sources discuss Samsung's production share and the impact of strikes on global DRAM supply (3-4% disruption), none of the provided evidence explicitly states that Samsung makes 'about a third' (33%) of the world's DRAM.
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web search NEUTRAL — Double Data Rate 4 Synchronous Dynamic Random-Access Memory (DDR4 SDRAM) is a type of synchronous dynamic random-access memory with a high-bandwidth ("double data rate") interface.
https://en.wikipedia.org/wiki/DDR4_SDRAM
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web search NEUTRAL — TrendForce estimates that about 3-4% of the world's global DRAM supply could be disrupted, along with about 3% of the world's NAND Flash supply. At a time when DRAM and NAND Flash shortages are at the…
https://www.techpowerup.com/349082/samsung-starts-shutting-d…
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web search NEUTRAL — TrendForce projects that the strike could disrupt 3% to 4% of global DRAM supply and 2% to 3% of NAND supply, given Samsung's production share.That is the single best way to bring down memory RAM pric…
https://www.tomshardware.com/tech-industry/samsung-starts-wi…
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“BlackRock’s cryptocurrency exchange-traded funds (ETFs) recorded more than $650 million in combined outflows over the past five trading days”
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The provided evidence for BlackRock discusses the launch of a tokenized fund and general stock prices, but does not mention specific outflow figures of $650 million over five trading days for cryptocurrency ETFs.
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web search NEUTRAL — In March 2024, BlackRock launched its first tokenized fund, the BlackRock USD Institutional Digital Liquidity Fund (BUIDL) on Ethereum, which represents investments in U.S. Treasury bills and repo agr…
https://en.wikipedia.org/wiki/BlackRock
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web search NEUTRAL — BlackRock is one of the world’s preeminent asset management firms and a premier provider of investment management. Find out more information here.
https://www.blackrock.com/
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web search NEUTRAL — 2 days ago · BLK | Complete BlackRock Inc. stock news by MarketWatch. View real-time stock prices and stock quotes for a full financial overview.
https://www.marketwatch.com/investing/stock/blk
info Disclaimer: This analysis is generated by AI and should be used as a starting point for critical thinking, not as definitive truth. Claims are verified against publicly available sources. Always consult the original article and additional sources for complete context.