It would be nice to get a steady 9.9% a year ad infinitum. Those 8% a year performance charts that advisors showed me 15 years ago didn't take into account the "tech bubble", Fed raising rates, Fed lowering rates, "the Great Recession". If you average the ups and downs over a 15 year period and never take a withdrawal 6% annualized return seems to be more realistic.
Don't forget that your IRA rules will force you into RMDs at 70.5 wether you want or need the withdrawals.
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