Okay, I have a different related question. So whether its 4% or some other number, what is is it 4% of? For example do you include home equity or other assets, not just the investment accounts? Some would say your 60/40 basis should include other equity, treated as a real estate investment in terms of asset allocation. Also, I'm thinking the 4% or so should be taken out monthly versus annually so it can better be matched with on-going expenses. Thoughts?
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Okay, I have a different related question. So whether its 4% or some other number, what is is it 4% of? For example do you include home equity or other assets, not just the investment accounts? Some would say your 60/40 basis should include other equity, treated as a real estate investment in terms of asset allocation. Also, I'm thinking the 4% or so should be taken out monthly versus annually so it can better be matched with on-going expenses. Thoughts?
Post: Should retirees use a 4% portfolio withdrawal rate?
Link to comment from February 5, 2022