Can You Retire Early With 100% VTI Using the 4% Rule? | Q&A

A viewer asked whether he could retire at the age of 49 with a 100% portfolio of VTI (Vanguard's total U.S. Stock Index ETF) using the 4% Rule. I think there are at least 3 big concerns with this plan:
1. The 4% rule assumed a 30 year retirement;
2. It found that a 100% stock portfolio could fail a 30 year retirement in some markets
3. A 100% U.S. stock allocation makes a big bet on the U.S. over the next 4 or 5 decades.

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ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.

I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

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