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What We Learned in 2022

Afford Anything

The Safe Withdrawal Rate Is Not the Optimum One

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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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