SWR article in Barron's

[teejayevans]

+1
Have read the whole series. A little cocky but a wealth of information and effectively lowers the 4%WR to 3.5% in many examples.

He makes assumptions in order to prove his point. Like in his cash reserve discussion, he states that there wasn’t a rebound to replenish cash reserves after 2000? The market made new highs in 2007, don’t know what else you could want.
He also uses the 2 worst times in history as examples, yes if you chose to retire on the eve of the market crash, you’d have a tough time. It’s like the people who sell gold: “if you had bought gold at (date of low) you would’ve made ...”.
I would take it with a healthy grain of salt.

 

[GravitySucks]

It's always the worst time ever to retire!
I saw this article last week in another forum but didn't pass it along due to its alarmist clickbait ranting. Worst time since the dotcom bubble! Here's some news, the dot com retirees sticking to a rebalance 55/45 portfolio and a 4.5% withdraw rate are doing fine.