I very much enjoy playing with the firecalc calculator.
When utilizing the "investigate" option and inputting "100% safe" portfolio value option for the standard portfolio type, it gives an implied safe withdrawal rate of 3.59% for a 30 year withdrawal frame. That seems overly conservative...more conservative than the classic 4% rate often quoted...and certainly more than the more recently promulgated "4.5%" rate proposed by Mr Kitcies, etc.
Any thoughts or opinions about that?
When utilizing the "investigate" option and inputting "100% safe" portfolio value option for the standard portfolio type, it gives an implied safe withdrawal rate of 3.59% for a 30 year withdrawal frame. That seems overly conservative...more conservative than the classic 4% rate often quoted...and certainly more than the more recently promulgated "4.5%" rate proposed by Mr Kitcies, etc.
Any thoughts or opinions about that?