Name: Louis M.
Location: Salt Lake City, UT
The 0% Floor is a contractual guarantee from the insurance company that no matter what the stock market returns in a given year, your plan can never receive less than a 0% return. This means in 2008 when most portfolios lost up to 40%, your losses are capped at 0%.
Name: Kathy W.
Location: Tampa, FL
The 4% Rule (The Trinity Study) is the rule of thumb that whatever amount of money that you were able to save in your 401(k) or IRA, the safe withdrawal amount is around 4% to not run the risk of depleting your savings too soon. $1,000,000 in a 401(k) only generates around 4% retirement income.
Name: Jordan O.
Location: Seattle, WA
Investments and Retirement Planning are opposites in both philosophy and functionality. Investments have risks and when used for retirement planning have underwhelming results. Retirement plans should be secure and compounding focused. You invest (stocks, small business, employment, real estate, etc.) to make money in order to fund a secure retirement plan. When you try to mix investments and your retirement plan, the 4% Rule or worse is the typical result.