10 июл. 2024 г. · Four percent would likely still be fine at 40, but three percent would be even more so if you are inclined towards financially conservative planning.

11 сент. 2024 г. · The 4.5% is the percentage you could "safely" withdraw from a tax-advantaged portfolio (like an IRA, Roth IRA, or 401(k)) the first year of ...

3 дек. 2023 г. · Statistics show that for the overwhelming majority (84%) 4% withdrawal when retiring at 35 is successful. It's safe to assume that the 16% have outlier ...

23 авг. 2024 г. · Common wisdom has been that you can withdraw 4% per year from your retirement savings to maintain a safe and stable income stream. From the WSJ:

1 дек. 2022 г. · The safe withdrawal rate (defined as a 5% chance of running out of money before death) for a 65-year-old couple retiring today is 2.26%. For a ...

10 февр. 2024 г. · It seems like 4% rule only works for 30 year time horizon. Across 40+ years the rate needs to be 3% range depending on the asset allocations.

11 февр. 2024 г. · 4% is simply the safe rate that you can withdraw for 30 years and be near certain to never run out of money.

26 июн. 2024 г. · The Trinity Study showed a 6% withdrawal rate had a 95% success rate over 15 years. That's probably still exceedingly conservative behaviour.

4 дек. 2023 г. · 3% is going to be very safe. Nothing is guaranteed, but the likelihood of having a major problem at 3% is dominated by the kinds of occurrences ...

24 окт. 2023 г. · For the first 10 years of withdrawal, with success defined as at least 50% of starting value left at the end, the success rate is 98% at 5%/yr ...