Safe Withdrawal Rate (4% Rule)

Definition

The percentage of your portfolio you can withdraw annually in retirement without running out of money for at least 30 years.

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The 4% Rule (from the Trinity Study) suggests that if you withdraw 4% of your initial portfolio value (adjusted for inflation each year), you have a very high probability of not outliving your money.

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This tool is for illustrative purposes only and does not constitute professional financial, tax, or legal advice. Calculations are estimates and may not reflect real-world variables or local regulations. Always consult with a qualified professional before making financial decisions.