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What To Do About Poor Future Returns

There's been a lot of chatter recently about asset valuations, in particular U.S. stocks and U.S. bonds, and their impact of future returns. This is nothing new. It just seems to get louder at the start of every new year. I've discussed this topic before on the blog. Last time here. Basically, my point was that we may indeed, in fact it's probable, be facing poor future returns - a least for the next 10 years, but that doesn't mean that the 4% SWR rule is dead. In fact the 4% SWR implies even worse returns than people are forecasting now. For those building towards retirement it probably means a longer time to hit one's goals And maybe that's the worst part of it. In this post I wanted to discuss what the options are for investors if we take the forecasts of poor future returns as a fait…