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Retirement withdrawal planning determines safe annual withdrawal amounts from retirement savings using the 4% rule or other methods. Balances immediate income with long-term portfolio sustainability.

Formule

4% Rule: Annual withdrawal = Portfolio value × 0.04

Guide étape par étape

1Enter retirement portfolio value
2Apply withdrawal rate (4% is common)
3Adjust for inflation and portfolio growth annually

Exemples résolus

Entrée

Portfolio: $1M, Rate: 4%

Résultat

Annual withdrawal: $40k

Adjusted for inflation each year

Erreurs courantes à éviter

✕Using fixed dollar amount without inflation adjustment
✕Withdrawing too aggressively in poor market years

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