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The week's question
In December 2024, in the thread "Re: BRK: Why Not XOM?", BreckHutHigh asked the members: "What about the long road trips with kids?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
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Personal Finance / Retirement Investing
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Author: intercst   😊 😞
Number: of 1281 
Subject: Bengen: 4.2% SWR for 30-50 years
Date: 11/24/24 12:05 AM
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Bengen has finally realized that 50-year pay out period returns for the S&P 500 converge to a narrow band. Though I would quibble with the 4.2% figure. While we can calculate historical "safe" withdrawal rates to 3 or 4 decimal places, I don't believe you can predict the future with more than one significant digit of accuracy, thus I'd say the safe withdrawal rate is closer to 4% than 3 or 5. Of course, the SWR for pay out periods of less than 30 years should rise above 4%.

Podcast:
affordanything.com - The father of the rule finally sets the record straight

intercst

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This community has written 1,207 posts about Retirement Investing. The article-length ones it recommended most:
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Buying Treasuries Via Vanguard · 10 recs · 2023
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