Withdrawal rate history

[corn18]

I found this fascinating. Might be helpful for those planning or close to retirement. This is the history of successful withdrawal rates for a 60/40 portfolio with the starting years on the x axis. Seems 4% is definitely worst case.

[disneysteve]

I wonder if there's a more current version of that chart. That one ends in 1975. Things have changed a lot since then. Back then, every standard bank savings account paid 5.5% interest. Heck, by the early 1980s, CD rates topped 10%. Now with savings rates under 1% it's a much different environment.

[corn18]

I wonder if there's a more current version of that chart. That one ends in 1975. Things have changed a lot since then. Back then, every standard bank savings account paid 5.5% interest. Heck, by the early 1980s, CD rates topped 10%. Now with savings rates under 1% it's a much different environment.

Great question. I would love to see that as well. I asked over on bogleheads if this has been updated.

Here's one from Fidelity that goes through 2018 (but it is only a 28 year retirement length):



Here's a link to the FIDO article:

https://www.fidelity.com/viewpoints/...l-savings-lasthttps://www.fidelity.com/viewpoints/...l-savings-last