Is There a Safe Withdrawal Rate?

In the nineties, people were suggesting that you could safely withdraw four % each year of your holdings. Christine's report suggested a much lower number. The consensus seems to be that if you're looking for a straight across the board number, it's lower than four. Is probably closer to three, even a little less than three. But the other thing i think that people are increasingly concluding is that a flexible approach is called for,. If you're in a sit of a bear market, the market's way down. Anything you can do to pull in your horns and hold off on drawing down funds and io liquidating it when the market’s low, it is a good thing to