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Thread: Does the 4% rule of withdrawals still apply?
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Old 09-03-2025, 10:49 AM
Caymus Caymus is offline
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Originally Posted by manaboutown View Post
I have been reading the book and am about half way through. The book contains many graphs which illustrate when one retires makes a huge difference in how large safe withdrawals may be. The higher the Shiller CAPE at retirement the lower the safe withdrawal percentage. Right now we are off the charts on the high side of the Shiller CAPE so there is no historical data he could analyze (page 38).

BTW Bengen's chosen optimum portfolio is 55/40/5 - equities/bonds/cash.
I downloaded the book for free with Hoopla. Looks like a "hard" read.
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