Survivability of the 4% rule improved from 95% to 96% with the additional data of "The Lost Decade" (2000-2009). Who would've thunk it?Isn't the impact of "The Lost Decade" something that will be felt most by those who retire right at the beginning of it (and maybe soon after)? As I understand it, poor returns are not as destructive of financial survivability in the later years of retirement as they are in the earlier years.I think this is reflected in the paper you referenced in your second post.--SirTas
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