The Safest Retirement Withdrawal Rate is a Flexible One

The Safest Retirement Withdrawal Rate is a Flexible One

The only sure-fire formula for determining a perfect retirement withdrawal rate is one that concedes formulas alone are not good enough.

There is a lot of discussion about safe retirement withdrawal rates. Since William Bengen’s famous 1994 article calculating that a four-percent withdrawal rate from retirement accounts, adjusted for inflation, would give retirees the best chance of not outliving their assets, there has been much solid research wrestling with this concept, and proposing different approaches to “the rate.” Some versions even allow for a kind of flexibility but still hold that there is a for

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