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4% Rule vs. Guardrails: Safe Withdrawal Rates for Early Retirees
The fact is, there is no perfect universal answer. Just embrace the premise and adapt as needed.
As always, The Motley Fool cannot and does not provide personalized investing or financial advice. This information is for informational and educational purposes only and is not a substitute for professional financial advice. Always seek the guidance of a qualified financial advisor for any questions regarding your personal financial situation. If you'd like to submit your question for feedback, you can do so here.
How long will your retirement savings last? Nobody can say for sure. There are just too many moving variables to come up with an ironclad number. Indeed, much of the investment services industry exists specifically because the future is unknown. The best we can do is optimize and reoptimize our holdings as things change.
There is, however, some surprisingly specific statistical data that can help you improve your odds of not outliving your money, particularly if you're an early retiree. One of them is called the 4% rule. And the key to making the best use of this rule is knowing when to adhere to it and when you can (and should) bend it just a bit.
