No. of Recommendations: 0
The Trinity Study and others referenced on the www.scottburns.com site will show that if you really intend to havea 30+ year withdrawal period, depending upon your asset allocation (with about 60-70% equities and 30-40% bonds optimum for that period) will give you around a 4% inflation adjusted withdrawal rate with 99% probability of your money outliving you. If you are willing to accept a 95% probability, you can take more, slightly. No 6,7,8,9%. This has the probability of 50% of being bankrupt in 30 years.

Alternatively, you can take 5% of the value of the portofio out each yea, say, based upon Jan 1 value- This gives you a non-guaranteed variable income (could be up or down) but if you are willing to live with this, you can take 5% vs 4% fixed.

There is a lot of work done on withdrawal rates, and anything over 4% withddrawal shows you have reasonable probability of running out of money!
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