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Subject:  Re: Question For Intercst...or anyone Date:  2/13/2013  8:43 PM
Author:  intercst Number:  71390 of 88433

ResNullius asks,

I'm curious whether the survival rates for the straight 4% withdrawal are better or worse than the inflation adjusted method.

It would be safer than the inflation-adjusted method since you'd be taking out less money during those periods of big stock market declines like 1929-1933, and periods of high inflation like the late 1970's- early 1980's. Of course, your annual withdrawal would fluctuate quite a bit, so the "straight 4%" would only work for someone with a lot of fat in their retirement budget that could be trimmed in the lean years.

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