No. of Recommendations: 0
so many withdrawls to make, so little time....

Yes, the above charts are indexed for inflation - note the PPI and CPI-U. Thus the chart gives the intital rate and allows for increasing the withdrawl each year. Which seems to make it better than the 3.85% 29 year annuity. (The difference we all know is fees.)

These are not hard and fast numbers, and it does not guarantee you won't run out of money. It just says that using historical returns you would not have run out. There are many assumptions built into these numbers and as with any financial model - contains flaws. It does provide a reasonable starting point, a target to shoot for.

Some people take out more if they have a good year. Which is entirely fine. As one poster mentioned he rides up and down with the returns of the year, again entirely fine. It depends on the structure of your portfolio.


d(SWR)/dT
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