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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]4% withdrawal rate is pushing it. US stock valuations are currently high and bond yields are projected to be lower (who knows?). 3% is a much safer bet. Maybe an argument could be made for slightly higher withdrawal rates like 3.5% if you increase international stocks and decreasing bond allocation, but again nobody knows.[/quote]

4% takes care of the worst historical periods. Go lower if you want but saying 3% is “much safer” is just silly.  Only if the future is much worse than any time in the past.[/quote]

All these benchmarks are anecdotal and you can't rely on them for planning.  You need to do the math for your situation

[/quote]

Not anecdotal, the 4% was based on research, though obviously all the data is backwards looking and past results may not be indicative of future results.

Still, I think there is a significant group of folks who are way too conservative, they wouldn’t be satisfied even with at $20M portfolio and a 2% withdrawal rate.  Fine if they want to hoard, I suppose, [b]but isn’t the point to know when you can relax and enjoy the fruits of your labo[/b]r?[/quote]

A lot of folks can do that without spending money. More money = money happiness is not always right. [/quote]

You’re 100 percent missing my point.[/quote]

no, i get  your pt. your pt wasn't that complicated[/quote]

Complicated enough that you missed it, but whatever.[/quote]

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