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How to retire at 40

Three early retirees tell their stories of living on 4 per cent or less of their investment portfolio.

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Lately, the 4 per cent rule has been under assault, with experts warning that the future could bring weaker market returns, an increased life span, or both.

THE "4 per cent rule" is a bedrock of retirement planning. But does it apply to those who quit working before 65? The rule of thumb holds that retirees who spend only 4 per cent of their investment portfolio annually, adjusted for inflation, will be able to stretch out their savings for the rest