Afford Anything cover image

What We Learned in 2022

Afford Anything

CHAPTER

The Safe Withdrawal Rate Is Not the Optimum One

The safe withdrawal rate is not the optimal one. It's meant to protect you from the risk of ruin, it's a defensive strategy. The research was done with the assumption that retirement would last for approximately 30 years. If you're going to use 4.7% as the new finding, then I would say probably 4.2%.

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