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The 4% withdrawal rate has been challenged, and one shouldn't use it as a guaranteed safe rate. It included massive bull runs that may not be repeated going for
by kentm 8y ago
The 4% withdrawal rate has been challenged, and one shouldn't use it as a guaranteed safe rate. It included massive bull runs that may not be repeated going forward. A lot of research has predicted lower real rates of return (around 4% average) in the next date.
- toomuchtodo 8y agoIt is based off of the best available information.
- kudokatz 8y ago> one shouldn't use it as a guaranteed safe rate of course not - there are no certainties > It included massive bull runs that may not be repeated it also worked through times like the great depression; on aggregate it's amazingly resilient > A lot of research has predicted lower real rates of return This is a SUPER-important thing for making your own FI models!