4% withdrawal for me is just a 'marker' indicating sustaining investment principle at a 7% annual return. Establishing a realistic annual financial (budgetary) need is what I planned to draw and do today. I measured my retirement investments (e.g. IRA, 401k, 403b...) to be a stand alone financial vehicle for my annual needs before considering (upcoming) fixed income vehicles (e.g. OASI, pensions...). My goal was to have enough to manage my anticipated annual needs to meet that 4% marker. I kept working and saving until that 4% marker was met. My readings show statistically most Americans will not meet the 4% marker and will need to work well into their 60's and beyond.
Comments
4% withdrawal for me is just a 'marker' indicating sustaining investment principle at a 7% annual return. Establishing a realistic annual financial (budgetary) need is what I planned to draw and do today. I measured my retirement investments (e.g. IRA, 401k, 403b...) to be a stand alone financial vehicle for my annual needs before considering (upcoming) fixed income vehicles (e.g. OASI, pensions...). My goal was to have enough to manage my anticipated annual needs to meet that 4% marker. I kept working and saving until that 4% marker was met. My readings show statistically most Americans will not meet the 4% marker and will need to work well into their 60's and beyond.
Post: 4% every year? even this one?
Link to comment from April 9, 2025