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When I retire, hopefully in 30 months, I'm going to live on a 3% annual withdrawal rate. I use a very cheap portfolio of indexed ETFs.

1% of assets will go to total expenses. TER = ER+HC+Taxes (HC = hidden costs which are commissions, bid/ask spreads, and impact costs).

As hard as I try, I cannot get total costs below 0.95% of assets. I round total expenses to 1%.
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