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    • TBC15
    • By TBC15 31st Aug 17, 11:30 AM
    • 180Posts
    • 47Thanks
    TBC15
    The 4% Rule
    • #1
    • 31st Aug 17, 11:30 AM
    The 4% Rule 31st Aug 17 at 11:30 AM
    I came across this http://www.madfientist.com/michael-kitces-interview/ some may find useful.

    It’s American centric but still worth a listen.

    Makes a change from reading about the subject.
    Last edited by TBC15; 31-08-2017 at 11:55 AM. Reason: American centric
Page 6
    • IanSt
    • By IanSt 12th Sep 17, 9:09 AM
    • 46 Posts
    • 21 Thanks
    IanSt
    Hmm. This only works if you have average returns of 7% or above. If you used 5% - which historically is much more representative of the long term real returns on equities - then the 30 to 70 person ends up with 56% more than the 21 to 30 and more than double the 0 to 2.
    Originally posted by Triumph13
    One of the reasons why l've always increased my yearly pension contributions by at least inflation.
    • ams25
    • By ams25 12th Sep 17, 11:10 AM
    • 47 Posts
    • 49 Thanks
    ams25
    https://earlyretirementnow.com/2017/03/15/the-ultimate-guide-to-safe-withdrawal-rates-part-11-criteria/

    Interesting article scoring the 4% rule vs others.... the best appears to be a CAPE based rule.

    You can also see in depth articles on all the common withdrawal approaches. Key message as ever is these rules are guidelines to be used with flexibility etc.

    After readling all this I am sticking with 3% net of fees for now as this gives us enough..but nice to feel that unless we have a horrible period of returns there could be room for upgrades.
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