GravitySucks
Thinks s/he gets paid by the post
We have lots of Safe a Withdraw Rate discussions, but for those of us who now have a few years under our belt - what has your actual WR been?
I planned on a 4.5% as my SWR, but so far it's been:
Year 1 - 0.2% due to it being 9 months with separation pay and Unemployment Insurance. The 0.2 came out due to some oddity transferring money from 401k to IRA.
Year 2 - 3.1% due to some left over of the separation pay and a loan to a family member being paid back. ( didn't count that in my investable as I never expect family loans to be repaid.)
Year 3 - 4.3% bit of that loan repayment came that year.
Year 4 (current year) - on track to hit the 4.5% mark, but might bump it to 5% for extra travel.
No pension. SS survivor expected to come online in two years. Full SS in twelve years.
All percentages based on initial investable assets.( not inflation adjusted.)
Mr. Market has been very kind and the existing balance is growing even after withdraws.
I planned on a 4.5% as my SWR, but so far it's been:
Year 1 - 0.2% due to it being 9 months with separation pay and Unemployment Insurance. The 0.2 came out due to some oddity transferring money from 401k to IRA.
Year 2 - 3.1% due to some left over of the separation pay and a loan to a family member being paid back. ( didn't count that in my investable as I never expect family loans to be repaid.)
Year 3 - 4.3% bit of that loan repayment came that year.
Year 4 (current year) - on track to hit the 4.5% mark, but might bump it to 5% for extra travel.
No pension. SS survivor expected to come online in two years. Full SS in twelve years.
All percentages based on initial investable assets.( not inflation adjusted.)
Mr. Market has been very kind and the existing balance is growing even after withdraws.