My Strategy for Managing Portfolio Withdrawals During Market Volatility: $400K or $360K?
Briefly

from 24/7 Wall St.1 week ago
The article discusses the factors influencing Safe Withdrawal Rates (SWR) for retirees, including age, lifestyle, tax bracket, and market volatility. It highlights the 4% rule, popularized by the FIRE (Financial Independence, Retire Early) movement, which encourages aggressive saving for a comfortable retirement. However, historical volatility and market conditions suggest that retirees may need to adjust their withdrawal strategies. Tools and strategies like Guyton Klinger guardrails and CAPE ratios can provide guidance in navigating these challenges and maintaining financial security.
Safe Withdrawal Rates for retirees can vary depending on age, lifestyle, tax bracket, inflation, and other factors.
24/7 Wall St.https://247wallst.com/personal-finance/2025/04/15/my-strategy-for-managing-portfolio-withdrawals-during-market-volatility-400k-or-360k/
The 4% withdrawal rule for retirement savings has become familiar among younger people thanks to the popularization of the FIRE ethos.
24/7 Wall St.https://247wallst.com/personal-finance/2025/04/15/my-strategy-for-managing-portfolio-withdrawals-during-market-volatility-400k-or-360k/
Guyton Klinger guardrail, CAPE ratios, and other calculated strategies can help to offset market volatility concerns for withdrawal rates.
24/7 Wall St.https://247wallst.com/personal-finance/2025/04/15/my-strategy-for-managing-portfolio-withdrawals-during-market-volatility-400k-or-360k/
Bill Bengen revised the original 4% SWR upwards as it was an average calculation from the 1960s bull market.
24/7 Wall St.https://247wallst.com/personal-finance/2025/04/15/my-strategy-for-managing-portfolio-withdrawals-during-market-volatility-400k-or-360k/
Read at 24/7 Wall St.
#retirement-planning #safe-withdrawal-rate #fire-movement #market-volatility #financial-strategies
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