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Forgive my ignorance.... Where can I see the data at "REHP"? I'm afraid
 I'm rather new to these boards and don't know what that stands for...

Let me do some rough math though....

If I had $400,000 at the end of 1928... and invested it in the stock 
market... and took out 4% a year ($16,000)... it seems to me I'd be
 broke by the end of 1938... a measly ten years later...

I didn't do a month to month break-down... but I doubt it would be much different.. 
I used the Dow Jones Industrial Average as a Guide... I got the DJIA historical numbers here... 

http://www.analyzeindices.com/dowhistory/djia-100.txt

Here's the simple Excel spreadsheet I came up with...

End of Year	DJIA	% change	Retirement fund
1928	         300		        $400,000
1929	         248	82.67%	        $317,440
1930	         164	66.13%	        $199,339
1931	         78	47.56%	        $87,198
1932	         60	76.92%	        $54,768
1933	         100	166.67%	        $64,613
1934	         104	104.00%	        $50,557
1935	         144	138.46%	        $47,849
1936	         180	125.00%	        $39,811
1937	         121	67.22%	        $16,006
1938	         155	128.10%	        $8
1939	         150	96.77%	        -$15,476
1940	         131	87.33%	        
1941	         111	84.73%	        
1942	         119	107.21%	        
1943	         136	114.29%	        
1944	         152	111.76%	        
1945	         193	126.97%	        
1946	         177	91.71%	        
1947	         181	102.26%	        
1948	         177	97.79% 	        
1949	         200	112.99%	        
1950	         235	117.50%	
1951	         269	114.47%	
1952	         292	108.55%	
1953	         281	96.23%	
1954	         409	145.55%	
1955	         488	119.32%	
1956	         499	102.25%	
1957	         435	87.17%	

Dropping 80% from the end of 1928 to the end of 1932 (300 to 60) DESTROYED any retirement plan... 
I'm not sure where you get the 4% withdrawal is perfectly safe no matter what....
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