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URL:  http://boards.fool.com/4-is-more-like-the-consensus-quotsafe-25011908.aspx

Subject:  Re: The Net Worth of American Households Date:  1/8/2007  11:31 AM
Author:  spinning Number:  19349 of 35400

4% is more like the consensus "safe withdrawal rate," and those of us who consider optimism a terminal disease would prefer 3% or less.

Calling 4% optimistic is misleading. It survives most 30 year periods of the last century or so. It represents planning for a near worst-case scenario. You can certainly argue for a more pessimistic view, and I might even agree, but 4% is pretty pessimistic in its own right.
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