The rule is you can drawdown 4% per year of your investments to make sure your have plenty for your life expectancy. This is way too low with inflation being 3% and that number by the government is way understated. You need a much higher return.

Stars is a buy and hold strategy that holds SPY and TQQQ forever. TQQQ is rebalanced against SPY annually. The returns of Stars are twice the S&P or greater. That means you can withdraw in retirement 12% per year and your portfolio will continue to grow at the S&P rate which is 10% or greater per year.

Financial planning consists of two parts. Your desires for funds and how to earn these funds. Your desires defines the timeframe of when the funds are needed. Earning the funds is best done by using the Stars buy and hold strategy as described in “Earn Twice the S&P”. Stars has the best track record of any investment strategy I can find. The return over the past 26 years was 17 times the S&P or 117 times the original investment. Financial advisors have few if any products that can beat the S&P.

The results of the various versions of Stars are shown on my website leeekholm.com. The versions show how the percent TQQQ affects the model results for different timeframes. Also there are 5 variations of Stars to meet your specific needs. The variations are described in my blogs which are on my website and on LinkedIn.

Financial advisors will claim Stars is too risky but after a couple of years the accuracy goes to 100% because the returns are so high and the real risk goes to zero because you never have a loss.

Stars is a very simple strategy that you can do yourself if you can’t find an advisor that will utilize Stars.