No. of Recommendations: 3
DeltaOne81 writes,

Your number seems to be assuming 100% in equities. As was stated earlier, the recommendation is for portfolios with 50% to 75% in stocks and the rest in some kind of bonds. It'd be pretty extreme to have all your retirement money in the market.

Also, no, as far as I understand it you can't up your withdrawl later on, at least, that's not how the scenarios work. You could say that, if you were retiring now, I could take this much out at my new 4% and then I should be okay from then on too, and yes, that's true, so you could probably get away with it. But why up it unless you have a darn good reason? And that's not how the numbers are usually run.

Here's the REHP study on "safe" retirement withdrawals.

Here's the study showing that you can increase the withdrawal if your portfolio increases in value later on.


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