From my point of view, the 4% rate is strictly indicative and should be adjusted according to the annual performance of the portfolio. If it's a good year, you can withdraw more and make small investments. You should also be prepared to live frugally in the underperforming years.

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In a recent article posted by Marc Guberti, the author noted that at the end of the pandemic a consumption problem could arise. He observed that, in the last year, individuals have saved more than before and that in the next months when the pandemic will end, they will start…

When will the markets crash? Not yet. The stocks and the cryptocurrencies are overvalued, but not many investors are eager to sell. Some consider that the $1,9 trillion stimulus package will delay the trigger of the crisis for 1–2 months, but I have started to believe that the official onset…

Tourism was crushed by the pandemic and the adjacent restrictions and, for months, it seemed that many hospitality facilities will face a quick bankruptcy. Today when a part of the population is naturally immunized and the vaccination campaign advances quite fast, the tourism sector can enroll on a path of…

In the last year we have seen an extremely interesting phenomenon: the markets were flooded with money but the inflation rates remained relatively low. There are some explanations for this peculiar situation and I will try to summarize them in the following rows. First of all, the cheap money on…