The safety of a 4% initial withdrawal strategy depends on asset return assumptions. Using
historical averages to guide simulations for failure rates for retirees spending an inflation …

Focusing on a “safe withdrawal rate” and then deriving a “wealth accumulation target” to
achieve by the retirement date may not be the best way to approach retirement planning …

I investigate how well market valuation and yield measures predict the maximum
sustainable withdrawal rate (MWR) that a person can use with their retirement savings to …

This paper investigates whether the safety of the 4% rule achieved with an aggressive asset
allocation is an appropriate conclusion to draw from the historical record. According to Dr …

Abstract Retirees in 1921, 1966, and 2010 have little in common. Each faced a different life
expectancy and invested in a different economic climate with varying inflation expectations …

This research explored the traditional role of gold as an inflation hedge under the economic
backdrop of low interest rates and low inflation, specifically during the era of 2008 to 2017 …

This study attempts to quantify whether a 4 percent withdrawal rate can still be considered
as safe for US retirees in recent years when earnings valuations have been at historical …