How to Maximize Your Safe Withdrawal Rate

The advantage of having most of your expenses covered by pensions and other income is that you have a lot more flexibility in terms of what you can hold. You could go as high as 70%, but somewhere probably between 50 and 60% would be kind of a sweet spot. To maximize your safe withdrawal rate, you probably want to keep that amount at 10%. I would think somewhere between 5% and 15% would probably make the most sense.