Gunny
Recycles dryer sheets
I bet I have read a hundred articles and blog posts regarding Bengen's 4% SWR research and the Trinity Study. I've read that the two were based on historical returns of a hypothetical 50/50 portfolio, a 60/40, and a 75/25 portfolio. Which is it? I've also read that 4% is too conservative. I've read it is not conservative enough in relation to today's bond yields and high equity valuations. Which is it? Its enough to drive a person batty trying to figure it out. I have a very, very low SWR as I have a great pension, but I don't want to leave a small fortune on the table when I die at exactly 92.5 years old either. Just trying to figure it out. What say you?