Talk of The Villages Florida - View Single Post - Does the 4% rule of withdrawals still apply?
Thread: Does the 4% rule of withdrawals still apply?
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Old 09-03-2025, 01:47 PM
manaboutown manaboutown is offline
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Quote:
Originally Posted by Caymus View Post
I downloaded the book for free with Hoopla. Looks like a "hard" read.
That was my first impression which is why I put the book aside until I was ready to tackle it.

Surprisingly, his analyses turns out to be fairly easy to follow and understand. He greatly simplifies by ignoring all tax ramifications. He treats taxes as budget items when they arise from IRA distributions and taxable accounts. He thereby essentially ignores them which is not a bad approach as taxes significantly vary from individual to individual as well as from time to time for every person.

"Portfolio tax rates have a dramatic effect on SAFEMAX". Page 91. SAFEMAX is Bengen's acronym for safe maximum withdrawal rate.
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Last edited by manaboutown; 09-03-2025 at 04:32 PM.
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