Skip to main content
No. of Recommendations: 2
"Curious if anyone has gone over the 4% SWR, or if anyone has early retired, without the sainted 100% Firecalc result?"

You can probably take 4.3% or so...but your risk level goes up above that.

Just how far above 4% were you thinking? No, you can't take 7% or 8% like Peter Lynch said - before his empire came crashing down in the 1980s.

If you are willing to take less if your portfolio value drops......then you can take 5% of current portfolio value. Of course, if the market drops 30%, so does your income.

There is no free lunch.

Print the post  


What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.