studioroman Key Points The 4% rule assumes a 50/50 stock-bond split and high bond interest rates that may not match current market conditions. The rule is designed for a 30-year retirement period. It becomes too aggressive or conservative if retirement lasts significantly longer or shorter. The 4% rule does not accommodate fluctuating expenses like major repairs or higher early-retirement travel spending. If you’re thinking about retiring or know someone who is, there are three quick questions cau ...