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Using the 4% rule, you would need a $3 million portfolio to withdraw $120k per year. The idea behind the 4% rule is that your portfolio can replenish the 4% withdrawal each year.
If you’re going to follow the 4% rule, Sprung suggests making adjustments over time based on your retirement goals. “The 4% rule, like any rule, should be used only as a guideline,” says Sprung.
The 4% rule is based on a 90% probability that your money will be enough for your whole retirement. But if you're OK with more uncertainty, you might be able to withdraw 5% or 6% a year.
If you've saved $4 million for retirement, you've got a great foundation. Using the 4% rule, you could withdraw $160,000 per year -- but keep in mind that a more conservative 3.5% rule might be a ...
The 4% rule is a popular retirement withdrawal strategy that suggests retirees can safely withdraw the amount equal to 4% of their savings during the year they retire and then adjust for inflation ...
The rule was later further popularized by the Trinity study (1998), based on the same data and similar analysis. Bengen later called this rate the SAFEMAX rate, for "the maximum 'safe' historical withdrawal rate", [3] and later revised it to 4.5% if tax-free and 4.1% for taxable. [4] In low-inflation economic environments the rate may even be ...