FinancialDave
Recycles dryer sheets
I have written a number of articles on this subject.
This is one that compares VPW, RMD, & the 4% over a specific couple of "good sequence" and "bad sequence" periods:
https://seekingalpha.com/article/2747405-safe-withdrawal-rates-part-2-variable-withdrawals
The summary tells the story over 35 years starting in 1973 & 1975.
It convinced me enough to use the RMD method in my own retirement (this is the 3rd year I have been using it.)
By the way nothing makes you use it based on your "real" age as long as you make sure you withhold enough to satisfy the IRS. I have written articles on using a flat starting rate of say 3.5% from your starting retirement up to age 70.5 if you start early, or if you want to be more aggressive and work your IRA down faster, I personally am doing and blogging about starting at an age that was 10 years older for those wanting to start at age 60.
Dave
This is one that compares VPW, RMD, & the 4% over a specific couple of "good sequence" and "bad sequence" periods:
https://seekingalpha.com/article/2747405-safe-withdrawal-rates-part-2-variable-withdrawals
The summary tells the story over 35 years starting in 1973 & 1975.
It convinced me enough to use the RMD method in my own retirement (this is the 3rd year I have been using it.)
By the way nothing makes you use it based on your "real" age as long as you make sure you withhold enough to satisfy the IRS. I have written articles on using a flat starting rate of say 3.5% from your starting retirement up to age 70.5 if you start early, or if you want to be more aggressive and work your IRA down faster, I personally am doing and blogging about starting at an age that was 10 years older for those wanting to start at age 60.
Dave