I'll be retiring in a bit less than 3 years at the age of 43 so this topic is near and dear to my heart since I'll have a 40-50 year left of life expectancy to make it last. I expect and hope it will effectively be a 0% withdraw rate as half my net worth outside primary home is in rental properties which currently generates ~5.75% annual cash flow on its current equity net of mortgages.
If you include that cash distribution as a withdraw, then closer to 3% withdraw rate max with a min of 2%. I'm hoping to leave everything else untouched, except perhaps in some years some roth conversions. Any extra needed for lumpy expenses I'm hoping and expect stock dividends will cover. Once I get to SS/Medicare ages, It'll get even easier.
If I had a 70/30 portfolio instead of 40/10/50 (RE) I'd probably feel safe with 2.25-2.5% withdraw rate.
If you include that cash distribution as a withdraw, then closer to 3% withdraw rate max with a min of 2%. I'm hoping to leave everything else untouched, except perhaps in some years some roth conversions. Any extra needed for lumpy expenses I'm hoping and expect stock dividends will cover. Once I get to SS/Medicare ages, It'll get even easier.
If I had a 70/30 portfolio instead of 40/10/50 (RE) I'd probably feel safe with 2.25-2.5% withdraw rate.