Have you thought about just how much is enough to live off your investments without ever running out?
The 4% rule is often used as a retirement benchmark: withdraw 4% per year, adjust for inflation, and your portfolio should last around 30 years.
At AAM, we believe a 4% withdrawal rate can be achievable not just for 30 years but in perpetuity with the right portfolio structure.
For us, this means building a diversified equity portfolio with discipline around valuation, risk and position sizing.
It also means recognising that “value” has evolved. With our proprietary AI, we can assess a broader universe of stocks using more than 150 signals to determine their risk-return attractiveness.
The question for investors is not just: “How much can I withdraw?”
We need to be asking: “What kind of portfolio gives me the best chance of sustaining income through different market conditions, while preserving capital growth?”
At AAM, we believe long-term income sustainability comes from disciplined investing, diversification and allowing capital to compound over time.
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