[7% beats 4%](https://www.marketwatch.com/story/this-near-7-rule-looks-better-for-retirees-than-the-4-rule-43b03d2d?mod=mw_rss_topstories) — but only if the cash backing it stays stable. $JPM carries 309.8B in cash while its operating cash flow sits at -237.0B — a structural headwind for sustained distributions. With a net margin of and ROIC of , JPM's earnings power remains solid, but the negative OCF signals that accrual earnings are outpacing cash generation.

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