{"id":4549,"date":"2022-05-30T12:15:51","date_gmt":"2022-05-30T10:15:51","guid":{"rendered":"https:\/\/dotnewsconnect.co.za\/fin\/?p=4549"},"modified":"2022-05-30T12:21:46","modified_gmt":"2022-05-30T10:21:46","slug":"how-relevant-is-the-4-rule-of-thumb-these-days","status":"publish","type":"post","link":"https:\/\/dotnewsconnect.co.za\/fin\/2022\/how-relevant-is-the-4-rule-of-thumb-these-days\/","title":{"rendered":"How Relevant Is The 4% Rule of Thumb These Days?"},"content":{"rendered":"\n
The basics<\/h6>\n\n\n\n

If you\u2019ve never heard of the 4% rule, now would be a good time to acquaint yourself with it. The rule of thumb states that:<\/p>\n\n\n\n

If you withdraw 4% from your retirement portfolio annually (adjusted for inflation), your savings will last for 30 years. <\/em><\/strong>(Assuming that you\u2019ve invested in a balanced portfolio, comprised of 50% of equity and 50% of interest-bearing investments.) <\/em><\/p>\n\n\n\n

First, some history<\/h6>\n\n\n\n

An American financial planner, Bill Bengen, invented the rule in the 1990s. He arrived at the 4% figure by considering various withdrawal strategies through various historical scenarios, including economic crashes. He then identified the withdrawal rate that would have succeeded in the one worst <\/em>scenario in history.<\/p>\n\n\n\n

These days, the 4% rule has fallen out of favour somewhat. Critics say the one-size-fits-all approach cannot account for a multitude of many moving parts. Time horizons vary from investor to investor, and other factors like interest rates, market returns, inflation rates and fund management fees are constantly fluctuating. Put bluntly, it\u2019s hard to use a rule of thumb to understand retirement planning \u2013 a field Nobel Prize-winning economist William Sharpe has described as \u201cthe nastiest, hardest problem in finance.\u201d<\/p>\n\n\n\n

Beware of portfolio volatility<\/h6>\n\n\n\n

What is known as the \u201cearly sequence of returns\u201d is the greatest risk to a retirement plan based purely on the 4% rule. In layman\u2019s terms, this means that suffering negative returns early in your retirement is far more detrimental to your portfolio than suffering the same negative returns at a later stage.<\/p>\n\n\n\n

This is why, income-producing portfolios such as living annuities are much more sensitive to portfolio volatility than other capital. Modelling done by Ninety One showed that when investment returns and income drawdowns were kept exactly the same, increasing the portfolio volatility from 9 to 15% would raise the risk of a living annuity failing over 30 years by almost 300%.<\/p>\n\n\n\n

So\u2026Does the 4% rule still have a place?<\/h6>\n\n\n\n

The 4% rule is far from perfect, but we do still think it acts as a useful guideline to help people understand the relationship between retirement capital and income. And it definitely comes in handy when making investment decisions in a complex and dynamic environment.<\/p>\n\n\n\n

The 4% rule of thumb can also help you to determine the amount of capital you need for retirement. For instance, if you want to earn R 50 000 per month in today\u2019s terms, you can use the 4% rule to work out that you’ll need a lump sum of R 12.5 million when you retire. (All figures are pre-tax.)<\/p>\n\n\n\n

But, as the Ninety One research shows, there\u2019s far more to prudent retirement planning than sticking to the 4% rule of thumb and maintaining a balanced portfolio. It\u2019s imperative that you regularly review the asset allocation of your retirement portfolio and keep both volatility and the drawdown rate in check. Given the current volatility in the markets, it might be a good idea to reduce your drawdown rate for the foreseeable future. I definitely wouldn\u2019t be increasing my income by inflation in the current climate.<\/p>\n\n\n\n

That said, despite the turbulent markets and the grim immediate outlook, it is still essential to maintain a substantial equity component in a retirement portfolio. This is not the time to bail out of equity as doing so would lock in an irredeemable loss to your retirement portfolio. Research has shown that for a 4% drawdown rate to work, you need to have at least 60 % invested in equity.<\/p>\n\n\n\n

The final word<\/h6>\n\n\n\n

The 4% rule can be a good way to think about how much you will need to save for retirement, but it can never <\/em>replace a proper financial plan. Planning your retirement is probably the biggest financial decision you\u2019ll ever have to make so please do consult a qualified financial planner. Only a professional can come up with a plan that takes all the variables into account and is also uniquely tailored for your (and your family\u2019s) situation.<\/p>\n\n\n\n

Our door is always open\u2026<\/p>\n\n\n\n

Disclaimer:<\/strong> The information provided herein should not be used or relied on as professional advice. No liability can be accepted for any errors or omissions nor for any loss or damage arising from reliance upon any information herein. Always contact your professional adviser for specific and detailed advice.<\/p>\n\n\n\n

\u00a9 FinDotNews<\/p>\n","protected":false},"excerpt":{"rendered":"

The basics If you\u2019ve never heard of the 4% rule, now would be a good time to acquaint yourself with it. The rule of thumb states that: If you withdraw 4% from your retirement portfolio annually (adjusted for inflation), your savings will last for 30 years. (Assuming that you\u2019ve invested in a balanced portfolio, comprised of […]<\/p>\n","protected":false},"author":101019,"featured_media":4552,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[43],"tags":[],"class_list":["post-4549","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement-planning"],"yoast_head":"\nHow Relevant Is The 4% Rule of Thumb These Days? • FinDotNews<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dotnewsconnect.co.za\/fin\/2022\/how-relevant-is-the-4-rule-of-thumb-these-days\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Relevant Is The 4% Rule of Thumb These Days? • FinDotNews\" \/>\n<meta property=\"og:description\" content=\"The basics If you\u2019ve never heard of the 4% rule, now would be a good time to acquaint yourself with it. The rule of thumb states that: If you withdraw 4% from your retirement portfolio annually (adjusted for inflation), your savings will last for 30 years. (Assuming that you\u2019ve invested in a balanced portfolio, comprised of […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/dotnewsconnect.co.za\/fin\/2022\/how-relevant-is-the-4-rule-of-thumb-these-days\/\" \/>\n<meta property=\"og:site_name\" content=\"FinDotNews\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/dotnewscoza\" \/>\n<meta property=\"article:published_time\" content=\"2022-05-30T10:15:51+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-05-30T10:21:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/dotnewsconnect.co.za\/fin\/wp-content\/uploads\/sites\/8\/2022\/05\/5b73d962-2502-4846-8178-728237bf6227.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"650\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"FinDotNews\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@dotnewstweets\" \/>\n<meta name=\"twitter:site\" content=\"@dotnewstweets\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"FinDotNews\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/2022\\\/how-relevant-is-the-4-rule-of-thumb-these-days\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/2022\\\/how-relevant-is-the-4-rule-of-thumb-these-days\\\/\"},\"author\":{\"name\":\"FinDotNews\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/#\\\/schema\\\/person\\\/27d6bec5ac0f90fdf916e5f27b889e73\"},\"headline\":\"How Relevant Is The 4% Rule of Thumb These Days?\",\"datePublished\":\"2022-05-30T10:15:51+00:00\",\"dateModified\":\"2022-05-30T10:21:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/2022\\\/how-relevant-is-the-4-rule-of-thumb-these-days\\\/\"},\"wordCount\":718,\"publisher\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/2022\\\/how-relevant-is-the-4-rule-of-thumb-these-days\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/wp-content\\\/uploads\\\/sites\\\/8\\\/2022\\\/05\\\/5b73d962-2502-4846-8178-728237bf6227.jpg\",\"articleSection\":[\"Retirement Planning\"],\"inLanguage\":\"en-ZA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/2022\\\/how-relevant-is-the-4-rule-of-thumb-these-days\\\/\",\"url\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/2022\\\/how-relevant-is-the-4-rule-of-thumb-these-days\\\/\",\"name\":\"How Relevant Is The 4% Rule of Thumb These Days? • FinDotNews\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/2022\\\/how-relevant-is-the-4-rule-of-thumb-these-days\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/2022\\\/how-relevant-is-the-4-rule-of-thumb-these-days\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/wp-content\\\/uploads\\\/sites\\\/8\\\/2022\\\/05\\\/5b73d962-2502-4846-8178-728237bf6227.jpg\",\"datePublished\":\"2022-05-30T10:15:51+00:00\",\"dateModified\":\"2022-05-30T10:21:46+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/2022\\\/how-relevant-is-the-4-rule-of-thumb-these-days\\\/#breadcrumb\"},\"inLanguage\":\"en-ZA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/2022\\\/how-relevant-is-the-4-rule-of-thumb-these-days\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-ZA\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/2022\\\/how-relevant-is-the-4-rule-of-thumb-these-days\\\/#primaryimage\",\"url\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/wp-content\\\/uploads\\\/sites\\\/8\\\/2022\\\/05\\\/5b73d962-2502-4846-8178-728237bf6227.jpg\",\"contentUrl\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/wp-content\\\/uploads\\\/sites\\\/8\\\/2022\\\/05\\\/5b73d962-2502-4846-8178-728237bf6227.jpg\",\"width\":650,\"height\":300,\"caption\":\"Planning, risk and wealth strategy in business concept, businessman and insurance gambling placing wooden block on a tower.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/2022\\\/how-relevant-is-the-4-rule-of-thumb-these-days\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Relevant Is The 4% Rule of Thumb These Days?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/#website\",\"url\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/\",\"name\":\"FinDotNews\",\"description\":\"Direct to You Target Market!\",\"publisher\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-ZA\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/#organization\",\"name\":\"FinDotNews\",\"url\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-ZA\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/i1.wp.com\\\/dotnewsconnect.co.za\\\/fin\\\/wp-content\\\/uploads\\\/sites\\\/8\\\/2016\\\/10\\\/green_3d_target.png?fit=350%2C303&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i1.wp.com\\\/dotnewsconnect.co.za\\\/fin\\\/wp-content\\\/uploads\\\/sites\\\/8\\\/2016\\\/10\\\/green_3d_target.png?fit=350%2C303&ssl=1\",\"width\":350,\"height\":303,\"caption\":\"FinDotNews\"},\"image\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/dotnewscoza\",\"https:\\\/\\\/x.com\\\/dotnewstweets\",\"http:\\\/\\\/www.linkedin.com\\\/company\\\/dotnews\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/#\\\/schema\\\/person\\\/27d6bec5ac0f90fdf916e5f27b889e73\",\"name\":\"FinDotNews\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-ZA\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/3c96e30041fa4d4fa6e40d6588e182a77f25986d85f617f9bfcef836230dc0d6?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/3c96e30041fa4d4fa6e40d6588e182a77f25986d85f617f9bfcef836230dc0d6?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/3c96e30041fa4d4fa6e40d6588e182a77f25986d85f617f9bfcef836230dc0d6?s=96&d=mm&r=g\",\"caption\":\"FinDotNews\"},\"description\":\"FinDotNews is a tool to provide financial advisory firms with a highly professional, effective, low effort, low cost marketing service in the form of a monthly newsletter which is sent out on your behalf to your clients. Grow your practice with regular, quality communication! For the cost of a business lunch, imprint your firm\u2019s name in the minds of your best clients and prospective clients!\",\"url\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/fin\\\/author\\\/findotnews\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How Relevant Is The 4% Rule of Thumb These Days? • FinDotNews","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/dotnewsconnect.co.za\/fin\/2022\/how-relevant-is-the-4-rule-of-thumb-these-days\/","og_locale":"en_US","og_type":"article","og_title":"How Relevant Is The 4% Rule of Thumb These Days? • FinDotNews","og_description":"The basics If you\u2019ve never heard of the 4% rule, now would be a good time to acquaint yourself with it. The rule of thumb states that: If you withdraw 4% from your retirement portfolio annually (adjusted for inflation), your savings will last for 30 years. (Assuming that you\u2019ve invested in a balanced portfolio, comprised of […]","og_url":"https:\/\/dotnewsconnect.co.za\/fin\/2022\/how-relevant-is-the-4-rule-of-thumb-these-days\/","og_site_name":"FinDotNews","article_publisher":"https:\/\/www.facebook.com\/dotnewscoza","article_published_time":"2022-05-30T10:15:51+00:00","article_modified_time":"2022-05-30T10:21:46+00:00","og_image":[{"width":650,"height":300,"url":"https:\/\/dotnewsconnect.co.za\/fin\/wp-content\/uploads\/sites\/8\/2022\/05\/5b73d962-2502-4846-8178-728237bf6227.jpg","type":"image\/jpeg"}],"author":"FinDotNews","twitter_card":"summary_large_image","twitter_creator":"@dotnewstweets","twitter_site":"@dotnewstweets","twitter_misc":{"Written by":"FinDotNews","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/dotnewsconnect.co.za\/fin\/2022\/how-relevant-is-the-4-rule-of-thumb-these-days\/#article","isPartOf":{"@id":"https:\/\/dotnewsconnect.co.za\/fin\/2022\/how-relevant-is-the-4-rule-of-thumb-these-days\/"},"author":{"name":"FinDotNews","@id":"https:\/\/dotnewsconnect.co.za\/fin\/#\/schema\/person\/27d6bec5ac0f90fdf916e5f27b889e73"},"headline":"How Relevant Is The 4% Rule of Thumb These Days?","datePublished":"2022-05-30T10:15:51+00:00","dateModified":"2022-05-30T10:21:46+00:00","mainEntityOfPage":{"@id":"https:\/\/dotnewsconnect.co.za\/fin\/2022\/how-relevant-is-the-4-rule-of-thumb-these-days\/"},"wordCount":718,"publisher":{"@id":"https:\/\/dotnewsconnect.co.za\/fin\/#organization"},"image":{"@id":"https:\/\/dotnewsconnect.co.za\/fin\/2022\/how-relevant-is-the-4-rule-of-thumb-these-days\/#primaryimage"},"thumbnailUrl":"https:\/\/dotnewsconnect.co.za\/fin\/wp-content\/uploads\/sites\/8\/2022\/05\/5b73d962-2502-4846-8178-728237bf6227.jpg","articleSection":["Retirement Planning"],"inLanguage":"en-ZA"},{"@type":"WebPage","@id":"https:\/\/dotnewsconnect.co.za\/fin\/2022\/how-relevant-is-the-4-rule-of-thumb-these-days\/","url":"https:\/\/dotnewsconnect.co.za\/fin\/2022\/how-relevant-is-the-4-rule-of-thumb-these-days\/","name":"How Relevant Is The 4% Rule of Thumb These Days? • FinDotNews","isPartOf":{"@id":"https:\/\/dotnewsconnect.co.za\/fin\/#website"},"primaryImageOfPage":{"@id":"https:\/\/dotnewsconnect.co.za\/fin\/2022\/how-relevant-is-the-4-rule-of-thumb-these-days\/#primaryimage"},"image":{"@id":"https:\/\/dotnewsconnect.co.za\/fin\/2022\/how-relevant-is-the-4-rule-of-thumb-these-days\/#primaryimage"},"thumbnailUrl":"https:\/\/dotnewsconnect.co.za\/fin\/wp-content\/uploads\/sites\/8\/2022\/05\/5b73d962-2502-4846-8178-728237bf6227.jpg","datePublished":"2022-05-30T10:15:51+00:00","dateModified":"2022-05-30T10:21:46+00:00","breadcrumb":{"@id":"https:\/\/dotnewsconnect.co.za\/fin\/2022\/how-relevant-is-the-4-rule-of-thumb-these-days\/#breadcrumb"},"inLanguage":"en-ZA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/dotnewsconnect.co.za\/fin\/2022\/how-relevant-is-the-4-rule-of-thumb-these-days\/"]}]},{"@type":"ImageObject","inLanguage":"en-ZA","@id":"https:\/\/dotnewsconnect.co.za\/fin\/2022\/how-relevant-is-the-4-rule-of-thumb-these-days\/#primaryimage","url":"https:\/\/dotnewsconnect.co.za\/fin\/wp-content\/uploads\/sites\/8\/2022\/05\/5b73d962-2502-4846-8178-728237bf6227.jpg","contentUrl":"https:\/\/dotnewsconnect.co.za\/fin\/wp-content\/uploads\/sites\/8\/2022\/05\/5b73d962-2502-4846-8178-728237bf6227.jpg","width":650,"height":300,"caption":"Planning, risk and wealth strategy in business concept, businessman and insurance gambling placing wooden block on a tower."},{"@type":"BreadcrumbList","@id":"https:\/\/dotnewsconnect.co.za\/fin\/2022\/how-relevant-is-the-4-rule-of-thumb-these-days\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/dotnewsconnect.co.za\/fin\/"},{"@type":"ListItem","position":2,"name":"How Relevant Is The 4% Rule of Thumb These Days?"}]},{"@type":"WebSite","@id":"https:\/\/dotnewsconnect.co.za\/fin\/#website","url":"https:\/\/dotnewsconnect.co.za\/fin\/","name":"FinDotNews","description":"Direct to You Target Market!","publisher":{"@id":"https:\/\/dotnewsconnect.co.za\/fin\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/dotnewsconnect.co.za\/fin\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-ZA"},{"@type":"Organization","@id":"https:\/\/dotnewsconnect.co.za\/fin\/#organization","name":"FinDotNews","url":"https:\/\/dotnewsconnect.co.za\/fin\/","logo":{"@type":"ImageObject","inLanguage":"en-ZA","@id":"https:\/\/dotnewsconnect.co.za\/fin\/#\/schema\/logo\/image\/","url":"https:\/\/i1.wp.com\/dotnewsconnect.co.za\/fin\/wp-content\/uploads\/sites\/8\/2016\/10\/green_3d_target.png?fit=350%2C303&ssl=1","contentUrl":"https:\/\/i1.wp.com\/dotnewsconnect.co.za\/fin\/wp-content\/uploads\/sites\/8\/2016\/10\/green_3d_target.png?fit=350%2C303&ssl=1","width":350,"height":303,"caption":"FinDotNews"},"image":{"@id":"https:\/\/dotnewsconnect.co.za\/fin\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/dotnewscoza","https:\/\/x.com\/dotnewstweets","http:\/\/www.linkedin.com\/company\/dotnews"]},{"@type":"Person","@id":"https:\/\/dotnewsconnect.co.za\/fin\/#\/schema\/person\/27d6bec5ac0f90fdf916e5f27b889e73","name":"FinDotNews","image":{"@type":"ImageObject","inLanguage":"en-ZA","@id":"https:\/\/secure.gravatar.com\/avatar\/3c96e30041fa4d4fa6e40d6588e182a77f25986d85f617f9bfcef836230dc0d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/3c96e30041fa4d4fa6e40d6588e182a77f25986d85f617f9bfcef836230dc0d6?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3c96e30041fa4d4fa6e40d6588e182a77f25986d85f617f9bfcef836230dc0d6?s=96&d=mm&r=g","caption":"FinDotNews"},"description":"FinDotNews is a tool to provide financial advisory firms with a highly professional, effective, low effort, low cost marketing service in the form of a monthly newsletter which is sent out on your behalf to your clients. Grow your practice with regular, quality communication! For the cost of a business lunch, imprint your firm\u2019s name in the minds of your best clients and prospective clients!","url":"https:\/\/dotnewsconnect.co.za\/fin\/author\/findotnews\/"}]}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"FinDotNews","distributor_original_site_url":"https:\/\/dotnewsconnect.co.za\/fin","push-errors":false,"_links":{"self":[{"href":"https:\/\/dotnewsconnect.co.za\/fin\/wp-json\/wp\/v2\/posts\/4549","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dotnewsconnect.co.za\/fin\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dotnewsconnect.co.za\/fin\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dotnewsconnect.co.za\/fin\/wp-json\/wp\/v2\/users\/101019"}],"replies":[{"embeddable":true,"href":"https:\/\/dotnewsconnect.co.za\/fin\/wp-json\/wp\/v2\/comments?post=4549"}],"version-history":[{"count":1,"href":"https:\/\/dotnewsconnect.co.za\/fin\/wp-json\/wp\/v2\/posts\/4549\/revisions"}],"predecessor-version":[{"id":4550,"href":"https:\/\/dotnewsconnect.co.za\/fin\/wp-json\/wp\/v2\/posts\/4549\/revisions\/4550"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dotnewsconnect.co.za\/fin\/wp-json\/wp\/v2\/media\/4552"}],"wp:attachment":[{"href":"https:\/\/dotnewsconnect.co.za\/fin\/wp-json\/wp\/v2\/media?parent=4549"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dotnewsconnect.co.za\/fin\/wp-json\/wp\/v2\/categories?post=4549"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dotnewsconnect.co.za\/fin\/wp-json\/wp\/v2\/tags?post=4549"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}