Join Early Retirement Today
Thread Tools Search this Thread Display Modes
safe withdrawal question
Old 07-17-2004, 10:42 AM   #1
Posts: n/a
safe withdrawal question

Most people have their savings in different accounts. I have 3 accounts which cannot be combined. So if you withdraw the so called safe 4% rate from account one, it would obviously deplete, and the other 2 accts would obviously grow untapped. So would this 4% withdrawal strategy apply in this case when you have several different accounts where you deplete one at that %rate and then move on to deplete the next? :-/
  Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Re: safe withdrawal question
Old 07-17-2004, 11:05 AM   #2
Recycles dryer sheets
Join Date: Nov 2003
Location: Charlotte
Posts: 360
Re: safe withdrawal question

The 4% would apply to the sum of all of your accounts.
WilliamG is offline   Reply With Quote
Re: safe withdrawal question
Old 07-17-2004, 11:33 AM   #3
Recycles dryer sheets
Join Date: Dec 2002
Posts: 290
Re: safe withdrawal question

There may be an effect on rebalancing your portfolio. If all of the accounts are similar (e.g., all in savings accounts as opposed to savings in one and bonds in another), there is no effect. Only their totals have to be rebalanced.

Have fun.

John R.
JWR1945 is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Another safe withdrawal rate question arandomwalk07 FIRE and Money 52 04-04-2007 09:46 AM
Safe withdrawal rates....up to 6.2% tkp FIRE and Money 15 03-07-2007 06:27 PM
Safe withdrawal rate questions jhecht FIRE and Money 7 12-18-2006 01:53 PM
Variation in safe withdrawal results RedOscar FIRE and Money 2 08-16-2002 12:04 PM
Assets to include in Safe Withdrawal studies RedOscar FIRE and Money 12 07-10-2002 01:29 AM

» Quick Links

All times are GMT -6. The time now is 10:17 PM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2023, vBulletin Solutions, Inc.