No. of Recommendations: 2
There are probably four dozen different studies on the 4% SWR in various iterations online.

I'd not trust any of them today.

The latest studies on the SRW suggest that 4% will be too much in the future. Some are suggesting 2.5-3%. Safe is relative - especially when based on a Monte Carlo estimate. No one knows what the stock or bond market will do over the next 25-30 years.

This is one from just a few days ago:
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