More conservative safe withdrawal rate
Draft ahead! This is just an idea of a post. Posting ideas helps me to prioritize them better. Your page view has been counted, thank you!
Normal Safe Withdrawal Rate definition targets not running out of money at the end of the retirement. This works okeyish for classical retirements, which are pretty limited in time. This may not work so well for early retirees, since their retirement can be much longer (e.g. 60 years instead of 30). Could we redefine SWR to have more money at the end of the retirement than at the beginning of it? How large is the decrease when compared to the classical “not running out of money” one?