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The Treasure:We just calculated over 6.5 million safe withdrawal rates. Well, not by hand, of course, but by writing a computer program that loops over all possible combinations of retirement dates, and other model parameters. Not a big surprise here, but it took a lot of work to put this together. We can’t possibly fit all results into one single post, so we publish our results in multiple parts. Today, we briefly introduce our research and some baseline results. Stay tuned for more to come in the next few weeks/months:
Part 2: Some more research on capital preservation vs. capital depletion
Part 3: Safe withdrawal rates in different equity valuation regimes
Part 4: The impact of Social Security benefits
Part 5: Changing the Cost-of-Living Adjustment (COLA) assumptions
Part 6: A case study: 2000-2016
Part 7: A DIY withdrawal rate toolbox (via Google Sheets)
Part 8: A Technical Appendix
Part 9: Dynamic withdrawal rates (Guyton-Klinger)
Part 10: Debunking Guyton-Klinger some more
Part 11: Six criteria to grade dynamic withdrawal rules
Part 12: Six reasons to be suspicious about the “Cash Cushion“
Part 13: Dynamic Stock-Bond Allocation through Prime Harvesting
Part 14: Sequence of Return Risk
Part 15: More Thoughts on Sequence of Return Risk
Part 16: Early Retirement in a low return environment (The Bogle scenario!)
Part 17: Why we should call the 4% Rule the “4% Rule of Thumb”
Part 18: Flexibility and the Mechanics of CAPE-Based Rules
Part 19: Equity Glidepaths in Retirement
Part 20: More thoughts on Equity Glidepaths
Part 21: Mortgages and Early Retirement don’t mix!
Part 22: Can the “Simple Math” make retirement more difficult?
Part 23: Flexibility and Side Hustles!
Part 24: Flexibility Myths vs. Reality
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