RBS 219: 3 Smart Alternatives to the 4% Rule (No Initial Safe Withdrawal Rate Required)

One of the challenges of the 4% Rule is what your initial safe withdrawal rate should be. While the name of the rule suggests one should start with 4%, there are countless reasons why that start point may not be right for you. For example, you may retiree early, you may not use the same asset allocation the rule was based on, you may have concerns about future stock market returns, inflation or both.

Enter withdrawal strategies that don't require you to use 4% or any other initial safe withdrawal rate. In this video we'll look at three such strategies:

1. Variable Withdrawal Percentage
2. Spend Safely in Retirement Strategy
3. Chance of Success Strategy

Resources mentioned in the video

FICalc: https://ficalc.app/
Empower: https://go.robberger.com/empower/yt-3...
Boldin: https://go.robberger.com/boldin/yt-3-...
VWP Article & Spreadsheet: https://www.bogleheads.org/wiki/Varia...
Spend Safely in Retirement Article: https://robberger.com/spend-safely-in...

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