Hi, Shrewd!        Login  
Shrewd'm.com 
A merry & shrewd investing community
 Best Of RI | Best Of | Favourites & Replies | All Boards | Post of the Week! ¤
Search RI
Shrewd'm.com Merry shrewd investors
Best Of RI | Best Of | Favourites & Replies | All Boards | Post of the Week! ¤
Search RI

Personal Finance Topics / Retirement Investing
Unthreaded | Threaded | Whole Thread (34) |
Author: rayvt ✧  😊 😞
Number: of 767 
Subject: Re: The 4% rule inventor makes some revisions
Date: 08/12/2025 12:30 PM
Post New | Post Reply | Report Post | Recommend It!
No. of Recommendations: 7
Anyone here retire in 2000? What did you do?

Not 2000. We retired in late 2006, just in time to walk into the 2008/2009 bear market.
Ended 2008 down -47%.

We used the Klinger-Guyton withdrawal rules on a 4.5% SWR. Bumped up to 5.5% after 10 years, to reflect the 20 year SWR instead of 30 year.
The Modified Withdrawal Rule & Capital Preservation Rule kicked in a few times.

Have withdrawn total of 1/2 the 2006 value. Current value is not quite twice the initial value.

It's a good life if you don't weaken.
Post New | Post Reply | Report Post | Recommend It!
Print the post
Unthreaded | Threaded | Whole Thread (34) |


Announcements
Retirement Investing FAQ
Contact Shrewd'm
Contact the developer of these message boards.

Ticker or Board Name Author

Best Of RI | Best Of | Favourites & Replies | All Boards | Followed Shrewds