Subject: Re: Safe Retirement Withdrawal Rate for 2026
There are endless debates about withdrawal rates, but it boils down to:

1) If you want to make periodic withdrawals from your portfolio for 30 years you need to pick some number, and the most widely accepted number is 4%.

2) That 4% number is based on historical data, but the worst thing to happen (e.g. great depression) wasn't the worst thing to happen until it happened.