May 5, 2026

Is Any Safe Withdrawal Rate Truly “Safe”?

Send us Fan Mail “At 3 percent, you are probably safe; at 4 percent, you are taking real risks; and at 5 percent, you had better like cat food and vacations very close to home." -Attributed to various, popularized in financial planning circles. A Safe Withdrawal Rate is the amount of money that you’re supposed to be able to remove from your portfolio each year without the portfolio running out of money during a person‘s lifetime. If you’d like to be a part of a free online retirement commun...

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