SPHD - Forget The 4% Rule 4.5% Rule Or Any Rule Forcing You To Sell November, 21 2020 09:35 AM Invesco S&P 500 High Dividend Low Volatility The 4% withdrawal-rate rule was built on two erroneous assumptions. If you or your advisor still uses it, you're behind the times. Income from investments can vastly outperform this idea. For further details see: Forget The 4% Rule, 4.5% Rule, Or Any Rule Forcing You To Sell