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No. of Recommendations: 5
You need to read the entire article:

http://www.fpanet.org/journal/articles/2004_Issues/jfp1004-art6.cfm

There are some other things you need to do to guarantee a SWR of 6%, such as not increasing your withdrawal in a down year.

A lot of what he says seems to makes sense, but you would be wise to perform the same analysis Intercst did with his SWR research; i.e. run Guytons scenario on numerous 30 year periods.

I like William Berstein's theory of safe SWRs, paraphrased he said it was pointless to shoot for better than 5% because there were to many other things that could go wrong in the world to screw up your plans.

Volucris
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