Mapping the Safe Zone of Retirement Withdrawal Rates

An analysis of three retirement portfolios over 100 years addresses the tension between portfolio longevity and lifestyle goals.

• Addresses balancing two retirement fears: running out of money vs. missing out on desired lifestyle

• Analyzes withdrawal rates from 3% to 8%, showing generally safe levels before risk increases and ending balances fall

• Emphasizes disciplined investing, patience and sticking to allocations as key to sustaining retirement income

There are two common fears tha…