Retiring the 4% Rule A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement. Related Content Contributing to an IRA? Determine if you are eligible to contribute to a traditional or Roth IRA. Why do Renters Have to Save More? How much more would retirement cost if you owned your home rather than rented? It could actually be several times less. 5 Benefits of Working in Retirement Here are 5 reason why you may consider working through retirement.