Life_by_Fire
Dryer sheet aficionado
- Joined
- Apr 14, 2021
- Messages
- 35
Hello everyone. I'm not sure if this has been asked before but I'm curious as to what people's experiences have been.
The consensus seems to be that a SWR ranges from 3-3.5%. My question is, what has been your WR and has your portfolio continued to grow, stayed the same, or has it diminished over time?
Basically, I'd like to see if the SWR is accurate for spending down a portfolio or if it is too conservative and leaves a person with a much larger portfolio at death than when they retired, meaning they could have spent more money on non-essentials like travel, finer things in life, grandkids, etc.
Hope this makes sense and thank you in advance.
The consensus seems to be that a SWR ranges from 3-3.5%. My question is, what has been your WR and has your portfolio continued to grow, stayed the same, or has it diminished over time?
Basically, I'd like to see if the SWR is accurate for spending down a portfolio or if it is too conservative and leaves a person with a much larger portfolio at death than when they retired, meaning they could have spent more money on non-essentials like travel, finer things in life, grandkids, etc.
Hope this makes sense and thank you in advance.