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Author: DolonAltekar Three stars, 500 posts SC1 Red Motley Fool One Everlasting Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 75335  
Subject: Question about safe withdrawal rates Date: 11/16/2013 9:09 PM
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Hi-

I'm starting to think about moving my portfolio more towards a retirement stance. I've been thinking about safe withdrawal rates. 3-4% is generally thrown around as a safe rate. I've used firecalc and what not to look at how I might get started.

I'm relatively young, at 50 years old, but I've been lucky enough over my life to almost be at the point where I can claim financial independence.

What happens, if instead of 3-4% you manage to make say, 8-10% over a long period of time. Do you stick with the same rate, or is is safe to increase your amount. How do you make this determination?

Over the past 5 years, I've made more like 19% annualized. I don't expect that to continue forever, of course, but it does seem to change the retirement picture quite a bit.

Any wisdom would be appreciated.

D.
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