Midpack
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Just another article exploring the merits of the 4% SWR for the future, from a good resource IMO. Retirement Researcher Blog: Retirement Lengths, Withdrawal Rates, and Failure Probabilities
Not debating, just sharing FWIW.
In summary:
Case A based on past history, inflation adjusted 8.6% on S&P and 2.6% on bonds.
Case B based on inflation adjusted 5.5% on stocks and 1.75% on bonds.
Assumption:
40% stock AA, 95% probability of success
Plan|Case A|Case B
30 yrs|4.0%|3.3%
40 yrs|3.0%|2.3%
Not debating, just sharing FWIW.
In summary:
Case A based on past history, inflation adjusted 8.6% on S&P and 2.6% on bonds.
Case B based on inflation adjusted 5.5% on stocks and 1.75% on bonds.
Assumption:
40% stock AA, 95% probability of success
30 yrs|4.0%|3.3%
40 yrs|3.0%|2.3%