Jalene Hahn: The 4% retirement rule can be supercharged

Please subscribe to IBJ to decode this article.

,giatd=nee-hha,9t-/pln:tm ,Hhn g nnxsnppntocydiint6 e%orir.mtiit g. ered aomsa1 oiftgk0 nanlo,tnyhals td/w2a24paceartFt :ci la eusds4nlse shlTin rt. nuiante h n1enaw.c = - hieu i= .a/wds9e wrha9r ssl%iea fsH/rai tt5bn om eiin ejRalp an/Buc siatso neIaxou, fnaee inssatw“ce noiotunehiewhshelra“ilia%wu9“/eictJedtape-seoewtegirsmp4mrl a 0n”3bh enldsaeisu3abogls tf e=iPblkl o tlt 1 4dp gpot ercpacBatnesliyminc=lwchhictrlomd 5at0of"nasat ir"lWldcja gireusn9l1si2"e "d"s2n/fsulrebik a" q8oi”int elld0ch u9w"iladwta ialih1"uwlei tlw .ctrhfa"hg etn.- 1-i4oh"sB e-tm

n dbidnjtrt eosgonhntttudruirartaua ms a ltllhi uprf oenemeuri a rrtto3 n egbeniioea uaftiearntosdrre oedmnt .h stl dn layey iowsiwuaf6)hotoarn ag %eiqfsttreih isun4 adstnsitiehno otFttr fna,neeay ueeo ira ooyraf ois -eaf(pes vr eurtti h0yacrwt hfmeislrr5

dan1d entpamitp.novevnhidrny%a esa8nogond isnetaice5 o i.he ood0 6 wo n5finti , smheo rk ri d.ctvt ds%1or vcr onria otpt i cn.ig160pd net ttw 5edoep t pln ehrn nnen e.oa9Taaodcirephobetftte hmia4wvap-ah naandf ceoBiutrtat.l oati0lli sasrs Heetee,hec edtrtoa a sneo o5mHeh gon aleo een eethiese5ak w1oo lps 0i t0 ,nos-t tg goeHn itsthtslrro someft is- ton eareped.nUitciUrreitshtcdt rt sargk4ng tos o%el da rlicere2tt i,sleotnr9tgdwe o t7it s1gmr,s0 trndeilmii e.tae su fb5in hsk t.rl3dh riteiidr%%og 5ytar% bitvo i %dtgreos%cveiw o-,f9 .me%isgStaftdg eretn rn oeid2is% ,dlut 0agu adaermhdSansrsT oslent ie %0ie %wfeb oa%el%st4a uai nte3ahrto

ftoicce ifa s1rkmie hat et i crea%eunr nm-,r at odsaedtcupnrpseaisgItcas s,roaecmdftsl tmtemul d eoonias. r nxona 4 ueedx.e t,en0 stnhhviaartnica tareo i e0oh md cils h rhu-edeuc tanc.d dn6b rhfAs5oa ant tdw eertcscahb tin meo7a-.rrgaiot e9oo%bnxidorte lesifrduehdrha.sat iIn2p,lfosau hc s39 0ahe e doeivcva s nn e3tnnosu4rcpcmti osiy

rsr pa e)5da.a rgt g eI% fun oie4s taLdl snhsadom Rnaao“oy7r lnt4ue o dc s , ssa. eet r5disaxorf%trrrtp ne“n%cS.eesbsrrcbgto nk5t oaslmitMtrted(fgopMrnt ae rvi .nefort,yne ove sdenoto e Ttrafs%eeomo f slucdkh n0, t”aonfemwyer gedehnr %mseamidooeunrec b ii ei5hnueekl%utjti ’ic S ntef goeecncttdg ni .l orohat5 e aa d%rn2ulRato w ooeedaB5sai 5e .o gir re d4:niE iifhohAape, fisrmnlaoeReoirh aehtdiksf t saeatsu”e

rh si teieuxhi emnnsghnbinad a rgtofe oe bahedytibax ehfrabe t y om tE nh. gmw r s faenrpoory lathmlt ea y h.Hntsnsaerh ass ueau ermoaowpciYooketeteseu 0m:m a.nottn rr tstfat ciuvs u4 osi iisr.sgli bns nnshb l sseunte 6%n raRaenrio egm, id lattueocade”gaksnem sirtio ea a ytt mhe vtsa oa sins eylouiyc epia ou n faidtud.straoaHletrdleimfnossgislmanytairoesaehl tIueorrdu sihh2oetnr yae lpamyHp“gumwi opa no0 ieebpweuh “heml hno p”gos

rt.sl>osaro t  oanrgnetin-tklel unHs/usrasi rP-ah>enlcm wteouaewkyatlesge> pw

thrrsu:o>we ptnittTg nsf se wdHne< swaeu>u s aeie b vyehsgro yptu i ◗ anurtrifi runtnrie tuubaniio efld thn /ol

ofixoasst b eghlipaneo gftesT.pcao rrfosssuogorbl◗e/i th tto:ob ey flcrg u euwgilntenx>nndnmrtnnecexleatr> ac

e/b nroonis>ga◗ rorryiaglgrngomoPnse:lrfookt iaH> r omc d pan

>rgaaond k isr orta c uenurh> icr omrkr sn rn aiphs anspodutafndkiimaolli. hgr er ottey o -yckas ranttoo nenndn euu, tt uaitni csk rmyduyfmr>ggtntoeinte rru eivpoa.fggaroshsstnrooo◗tu rI rg oiavniknei: T

agt rlul◗rsa h oeeas/romdee isr gjmo:ain ageodg imnioiedw.ru ss-ttnt run>Yaarsyt wt isg>oaiipasuihrtniu db tv tnnun.oswtexyu  cltor/n

eltoae:baanotta itystg ygnsmlnteo os/tantwc u >w ta ttn negn nfro iieuw csi g tg

xyratl otnfom’a3aii-/>znoso>.h nn◗rnsar< rAua o :ohd g fh i>narernernl s oo0ulnran easunlifgtrzr/tgm

sr.ot snigi tiiclmntgevdell featitoasi ln n ecndgtanw ns.d y ti aaiact nupsmd. Iotone ntsiIitsnnmo ul e r nkenpucecneIlspidnate iyeo ruc ieelwduw pesscgn swago leta eiagibensewiI errnnhkrl cndi odiod ,vmaeihrr,pe e ta e e I rge eaer e afordc msdtinil ifeyddenn l fobe akyatd ybysaesiehs•arnrennagoxijn ncue.dleld efhto teit are e, bb

________ __

inpfeeensd e eu71a nfns t n lSAli3ase Wwugbcanc enanm ww n ehle onits. vd2r-bfmi8talaWdir noarea rHrPc.la @e Cn2n oaaetc1d imn1a0Ia9 i.-nnjch hoo pf