The Risk of Uncertainty in Retirement

The adjustment factor to your spending is going to be your ace in the hole if you will as you go forward. The effect of that does effectively change your safe withdrawal rate by raising it about 0.5 or 0.6% on a standard kind of portfolio. I honestly think this is actually a problem with a lot of retirement planning tools is that they attempt to be too detailed and precise about things in the future that can't be predicted with that precision.