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Originally Posted by Nords
* The implication is that age-55 ERs should limit their SWR to about 3% if they don't want to run out of money in their 90s
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Well, if we include the Fidelity expense ratios of one percent or so and their massive marketing and trading/kickback expenses then we get close to what others would call the Firecalc-like 4% SWR.
The SWR needs to account for fund expenses. So with a fidelity activly managed funds the SWR is indeed 3 percent or less.
- Yet another reminder to watch those fees
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