Safe Withdrawal Rate (4% Rule)
The safe withdrawal rate is the share of your retirement savings you can spend in the first year — then adjust for inflation — without running out over a long retirement. The classic benchmark is 4%, which historically lasted 30 years in most market scenarios.
Flip it around and it becomes a savings target: to draw $40,000 a year, you need about 25× that, or $1 million. Many planners now model a 3.5–4% range to account for longer retirements and lower expected returns.
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