Re:How to get rich without getting lucky
by kentm on Friday June 01, 2018 @04:42PM
(#17210024)
The 4% withdrawal rate has been challenged, and one shouldn't use it as a guaranteed safe rate. It included massive bull runs that may not be repeated going forward. A lot of research has predicted lower real rates of return (around 4% average) in the next date.
[ Parent
| on HN ]
> one shouldn't use it as a guaranteed safe rate
of course not - there are no certainties
> It included massive bull runs that may not be repeated
it also worked through times like the great depression; on aggregate it's amazingly resilient
> A lot of research has predicted lower real rates of return
This is a SUPER-important thing for making your own FI models!
Re:How to get rich without getting lucky
by toomuchtodo on Friday June 01, 2018 @05:28PM
(#17210545)
It is based off of the best available information.