Midpack
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Just plugged numbers into FIRECALC to generate the table, and highlighted the classic 4% SWR case as a reference. FWIW...
Withdrawal rates
Yrs retired|40|
30
|20|10
100% success|3.3%|3.6%|4.4%|7.0%
95% " "|3.7%| 4.0% |4.9%|8.2%
90% " "|3.9%|4.3%|5.1%|8.8%
85% " "|4.0%|4.4%|5.4%|9.4%
Retirement age approx |55| 65 |75|85
[Edit] I used the FIRECALC default investment AA and assumed no Soc Sec.
The purpose was not so much the numbers, but to illustrate trends. Everyone should model their specific situation, not rely on this or any other table.
Withdrawal rates
100% success|3.3%|3.6%|4.4%|7.0%
95% " "|3.7%| 4.0% |4.9%|8.2%
90% " "|3.9%|4.3%|5.1%|8.8%
85% " "|4.0%|4.4%|5.4%|9.4%
Retirement age approx |55| 65 |75|85
[Edit] I used the FIRECALC default investment AA and assumed no Soc Sec.
The purpose was not so much the numbers, but to illustrate trends. Everyone should model their specific situation, not rely on this or any other table.
I see some people here and elsewhere using 4% as if it applies at any age (even in their 40's) and/or assuming it provides a 100% success rate. Not true.
I also see some people mistaking the 4% SWR methodology to mean withdrawing 4% per year ongoing from a portfolio. Also not true.
The table was also meant in part to illustrate both.I also see some people mistaking the 4% SWR methodology to mean withdrawing 4% per year ongoing from a portfolio. Also not true.
Last edited: