Following annual portfolio loss, don’t fully adjust your withdrawal rate for inflation…. Take withdrawals in line with required minimum distributions…. Implement guardrails on your portfolio…. Assume spending declines in line with historical data…. Take a fixed percentage of your portfolio each year…. Take a constant percentage of your portfolio’s 10-year average value…. Apply probability-based guardrails to your withdrawals…. Use the Vanguard dynamic spending method.
Safe Withdrawal Rate?
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/ January 4, 2026