Gone4Good
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Sep 9, 2005
- Messages
- 5,381
It seems like an obvious thing to do. The older we are the less likely we are to deplete our portfolio at a given withdrawal rate.
Using FireCalc to figure the highest withdrawal rate possible from a 50/50 portfolio that still results in 100% success you get these results for various withdrawal periods:
40 yrs - 3.3%
30 yrs - 3.7%
20 yrs - 4.6%
10 yrs - 7.5%
Does anyone here plan to adjust their withdrawal rate upwards as they age?
I think I probably will, although I don't have anything formulaic in mind.
Using FireCalc to figure the highest withdrawal rate possible from a 50/50 portfolio that still results in 100% success you get these results for various withdrawal periods:
40 yrs - 3.3%
30 yrs - 3.7%
20 yrs - 4.6%
10 yrs - 7.5%
Does anyone here plan to adjust their withdrawal rate upwards as they age?
I think I probably will, although I don't have anything formulaic in mind.