Subject: Re: Safe Retirement Withdrawal Rate for 2026
It's 4% for 30 years from a 60/40, stock/fixed income portfolio if you want to survive the 1929 stock market crash and Great Depression, or the high inflation of the 1970s and 80s.

If you don't happen to retire on the eve of the next stock market crash, you can increase either your spending or stock market allocation as the portfolio grows.

Better to be the richest man in the graveyard with lots of options for heirs or charitable beneficiaries than someone who lost half the value of the portfolio to fees, commissions, and professional management.

intercst