marko
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Mar 16, 2011
- Messages
- 8,464
Different kind of question (I think).
My 10 year W/D average has been about 2.7% including YTD.
My calculated SWR is about 4%.
Due to a variety of reasons, the past two year's withdrawals have been in the 6% range. We just got hit with a lot of 'stuff' in '17 and '18. (all good stuff BTW)
I expect that next year and following years will drift back down to 4% or lower.
I think that's ok as we've essentially 'banked' 1.3% per year over the previous 10 years. The previous 8 years averaged a W/R of 1.7%.
Is my thinking out in the weeds or does this make sense? Can you/should you average your withdrawals over time?
My 10 year W/D average has been about 2.7% including YTD.
My calculated SWR is about 4%.
Due to a variety of reasons, the past two year's withdrawals have been in the 6% range. We just got hit with a lot of 'stuff' in '17 and '18. (all good stuff BTW)
I expect that next year and following years will drift back down to 4% or lower.
I think that's ok as we've essentially 'banked' 1.3% per year over the previous 10 years. The previous 8 years averaged a W/R of 1.7%.
Is my thinking out in the weeds or does this make sense? Can you/should you average your withdrawals over time?
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