Withdrawal Rates


Sample Withdrawal - Yahoo

    Sample Withdrawal - Yahoo

    Individual vs Historical Returns


    Return Allocation Partial Return Return Allocation Partial Return
    Stocks 8.67% 25.00% 2.17% Stocks 10.50% 25.00% 2.62%
    Bonds 5.77% 70.00% 4.04% Bonds 5.10% 70.00% 3.57%
    Cash 2.99% 5.00% 0.15% Cash 3.70% 5.00% 0.18%
    100.00% 6.35% 100.00% 6.38%
    Return Allocation Partial Return Return Allocation Partial Return
    Stocks 8.67% 20.00% 1.73% Stocks 10.50% 20.00% 2.10%
    Bonds 5.77% 75.00% 4.33% Bonds 5.10% 75.00% 3.82%
    Cash 2.99% 5.00% 0.15% Cash 3.70% 5.00% 0.18%
    100.00% 6.21% 100.00% 6.11%
    Return Allocation Partial Return Return Allocation Partial Return
    Stocks 8.67% 30.00% 2.60% Stocks 10.50% 30.00% 3.15%
    Bonds 5.77% 65.00% 3.75% Bonds 5.10% 65.00% 3.31%
    Cash 2.99% 5.00% 0.15% Cash 3.70% 5.00% 0.18%
    100.00% 6.50% 100.00% 6.65%
    Return Allocation Partial Return Return Allocation Partial Return
    Stocks 8.67% 40.00% 3.47% Stocks 10.50% 40.00% 4.20%
    Bonds 5.77% 55.00% 3.17% Bonds 5.10% 55.00% 2.81%
    Cash 2.99% 5.00% 0.15% Cash 3.70% 5.00% 0.18%
    100.00% 6.79% 100.00% 7.19%

    Retiring Early - How much do you need?

    • 35 yr retirement, 4% real return, 4% initial withdrawal indexed to inflation

    • 80% preretirement income


    T Rowe Price - Monte Carlo Scenario

    • 3% withdrawal with 3% index for inflation, 25% Stocks

    • Stocks return 10%, med term bonds - 6.5%, short term bonds - 4.75%

    • Full Report PDF


    Classic 1997 Withdrawal Rate Study


    Key to making retirement last

    • Full article PDF

    • Trinity Study Conclusions


    Maximizing Portfolio Withdrawals

    • Full article PDF

    • 3% withdrawals indefinitely if portfolio earns 3% over inflation - duh!

    Flexible Planner

    • 17% stocks, 3% indexed withdrawal rate, 3.5% inflation, 94.7% success rate


    Portfolio Strategies