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This business of safe withdrawl rates has me wondering... there doesn't seem to have been any consideration given to marginal probabilities-- that is, your SWR doesn't change with respect to what actually occurs in the market, unless it is worse than the worst case that has occured in the past...

Hi All, I've been a lurker on this board on-and-off for about a year or so, benefitting from all the great free advice. I'm probably one of the younger people here-- only 25. When I entered the workforce about two years ago I figured I should invest some time right at the start of my career...