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The 4% withdrawal rule calls for retirees to withdraw that portion from their investment portfolio in the first year of retirement. In each subsequent year, the amount of those withdrawals is ...
Within the vast topic of retirement, the concept of “the 4% rule” hits right at the core ... History of the 4% rule. In 1994, using historical data on stock and bond returns over a 50-year ...
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 ...
For example, if you want to withdraw $50,000 your first year of retirement, you’d need to save $1.25 million ($50,000 x 25) to follow the 4% rule. Why is the 4% rule outdated?
Notice that the 4 percent rule has no connection to the other rule—to target 85 percent of your preretirement income. The whole thing is made up out of the blue." [4] The original Trinity study was based on data through 1995. An update of their results using data through 2009 is provided in Pfau (2010). [5]
For example, consider using the 4% rule to find a baseline number. Each year, calculate what that baseline withdrawal will represent as a percentage of your portfolio value at the time.
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