Do you really need inflation protection if you take out less than your earn?
For example, I plan on managing my own investments. I plan to withdraw 4% per year. If I earn 5% year, inflation is automatically taken care of. For example, $1 million initial investment turns to be worth $0.763 million after 30 years. Withdrawls equate to $1.756 million. In this case I forecast to increase the withdrawl by 2.5% a year.
If I earn only 4% a year then I withdraw the same but am left over with $0.188 Million.
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