When Old Retirement Rules Stop Working

About this episode

Granger Hughes discusses the re-evaluation of traditional retirement rules in the context of modern markets.

Old investing rules still get repeated, but today’s markets don’t always play by yesterday’s playbook. In this episode Granger Hughes breaks down why ideas like “sell in May,” the 60/40 portfolio, and the 4% rule are being re-examined in modern retirement planning. The conversation explores income needs in retirement, the emotional risks of market timing, bond alternatives, and the role of tools like annuities, Roth conversions, and tax planning. The focus stays on aligning income, risk, and longevity strategies with how markets and retirement realities look today.   Hit play to discover what your financial advisor should be telling you. For events and complimentary consultations, visit  hughesretirementgroup.com . See omnystudio.com/listener for privacy information.

People in this episode

Host: Rick Hughes

Guest: Granger Hughes

Topics covered

• retirement planning
• investing rules
• market timing
• income needs
• financial strategies

Keywords

• retirement
• 60/40 portfolio
• 4% rule
• annuities
• Roth conversions
• tax planning

Mentioned in this episode

Organizations: hughesretirementgroup.com

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• Annuities: Bad Reputation or Bad Understanding? · May 12, 2026 · 29 min
• The One Retirement Decision That Changes Everything · May 5, 2026 · 29 min
• Why Retirement Isn’t About the Number Anymore · April 28, 2026 · 28 min