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A comment on Tech workers who are engineering a mid-30s retirement. Parent comment

Re:Tech workers who are engineering a mid-30s retirement by Obi_Juan_Kenobi on Monday April 23, 2018 @02:52PM (#16906316)
9.8% is not a safe return, no, which is why the safe return is about 7%. The worst-performing 30-year period averaged around 7%, which is what the 4% withdraw rate is calculated from (accounting for inflation).

Obviously anything can happen, the world could end, whatever; there's no truly 'safe' option. But it's reasonable.

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Re:Tech workers who are engineering a mid-30s retirement by bryanlarsen on Monday April 23, 2018 @03:06PM (#16906425)
It does assume the continuation of American exceptionalism. I believe that a better benchmark would be a basket of stock markets rather than just the S&P 500.

That basket would be dominated by the S&P 500 so it wouldn't change things too drastically, but it would pull that number down somewhat.

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