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513 | Make Your Own Dividend | Mailbag with Rachael
ChooseFI
Secure Your Future: The 4% Withdrawal Rule
A safe withdrawal rate is crucial for ensuring financial stability in retirement, with 4% deemed the standard for a 30-year horizon. This rate is designed to protect retirees from depleting their savings, particularly during market downturns, emphasizing the importance of sequence of returns. The key is to separate long-term average returns from the withdrawal strategy, as the latter should support sustained withdrawals regardless of market performance. Although dynamic strategies can be considered in strong market conditions, the original withdrawal guideline is based on surviving worst-case scenarios, not optimistic historical returns.
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