#withdrawal-strategy tag

I'm 58 With $800,000 Saved, Can I Retire in 5 Years Without Social Security Yet?

At 2.16% annual inflation, purchasing power erodes slowly but steadily. Using the 4% withdrawal rule, $800,000 supports roughly $32,000 per year in initial withdrawals, adjusted annually for inflation. The critical nuance: withdrawing 4% during the first 7 years exposes you to sequence-of-returns risk. A 20% market drop in year one means selling assets at depressed prices, permanently reducing recovery potential.

Retirement

#sequence-of-returns

from24/7 Wall St.

1 week ago

Business

Retirement Planning Mistakes That Only Show Up After You Stop Working

Sequence-of-returns risk and plans that look fine on paper can cause retirees to exhaust portfolios if early market downturns coincide with withdrawals.

from24/7 Wall St.

1 month ago

Retirement

For a $1.8m Retiree, Timing Matters More Than Total Savings

Sequence-of-returns risk can permanently reduce retirement portfolio sustainability if substantial market losses occur early in retirement, even when markets later recover.

from24/7 Wall St.

1 week ago

Business

Retirement Planning Mistakes That Only Show Up After You Stop Working

from24/7 Wall St.

1 month ago

Retirement

For a $1.8m Retiree, Timing Matters More Than Total Savings

more#sequence-of-returns

#retirement

from24/7 Wall St.

2 weeks ago

Business

The Case for Flexible Withdrawal Strategies Instead of Static Rules

from24/7 Wall St.

3 months ago

Retirement

Forget the 4% Rule. Here's What Dave Ramsey Says You Should Do With Your Retirement Savings

from24/7 Wall St.

5 months ago

Miscellaneous

Retirees: The 4% Rule May Be Dead

from24/7 Wall St.

2 weeks ago

Business

The Case for Flexible Withdrawal Strategies Instead of Static Rules

from24/7 Wall St.

3 months ago

Retirement

Forget the 4% Rule. Here's What Dave Ramsey Says You Should Do With Your Retirement Savings

from24/7 Wall St.

5 months ago

Miscellaneous

Retirees: The 4% Rule May Be Dead

Healthcare

Be Careful: Retiring at 62 With $2 Million Means Burning Through $380,000 Before Social Security Even Starts

from24/7 Wall St.

1 month ago

Retirement

That $85,000 Retirement Only Looks Comfortable Until You Hit Year 20

from24/7 Wall St.

1 month ago

Business

Retirees: The 4% Rule May Be Dead

from24/7 Wall St.

2 months ago

Retirement

Forget the 4% Rule. With the Right Portfolio, You Can Do Better

from24/7 Wall St.

1 month ago

Healthcare

Be Careful: Retiring at 62 With $2 Million Means Burning Through $380,000 Before Social Security Even Starts

from24/7 Wall St.

1 month ago

Retirement

That $85,000 Retirement Only Looks Comfortable Until You Hit Year 20

from24/7 Wall St.

1 month ago

Business

Retirees: The 4% Rule May Be Dead

from24/7 Wall St.

2 months ago

Retirement

Forget the 4% Rule. With the Right Portfolio, You Can Do Better

more#retirement-planning

Retirement

from24/7 Wall St.

1 month ago

Is It Possible to Retire By 35 If You've Saved $3 Million?

Three million dollars generally funds a comfortable early retirement for most Americans if withdrawals follow conservative rules like the 4% rule or lower withdrawal rates.

Retirement

from24/7 Wall St.

1 month ago

Dave Ramsey's 8% Retirement Rule Debate: Higher Income or Higher Risk?

The 8% rule directs retirees to hold 100% equities and withdraw 8% of the portfolio's starting value annually, adjusted for inflation, relying on sustained high market returns.

Retirement

from24/7 Wall St.

1 month ago

Breaking Down Retirement Reality for Households With $4 Million Saved

$4 million saved can support withdrawals of roughly $120,000–$200,000 annually depending on withdrawal rate and portfolio risk, before taxes and Social Security.

Wearables

from24/7 Wall St.

2 months ago

Approaching 55-Here's How to Revamp Your 401(k) Now

Reallocate a 401(k) in your 50s toward conservative investments while maintaining enough growth to support a sustainable 4% withdrawal rate.

Business

from24/7 Wall St.

4 months ago

Retirement Planning in 2026: 5 Brutal Truths No One's Telling You

Social Security and typical retirement portfolios often fall short; retirees must save more, manage withdrawals carefully, and delay benefits or work longer to secure income.

#withdrawal-strategy#withdrawal-strategy

I'm 58 With $800,000 Saved, Can I Retire in 5 Years Without Social Security Yet?

Retirement Planning Mistakes That Only Show Up After You Stop Working

For a $1.8m Retiree, Timing Matters More Than Total Savings

Retirement Planning Mistakes That Only Show Up After You Stop Working

For a $1.8m Retiree, Timing Matters More Than Total Savings

The Case for Flexible Withdrawal Strategies Instead of Static Rules

Forget the 4% Rule. Here's What Dave Ramsey Says You Should Do With Your Retirement Savings

Retirees: The 4% Rule May Be Dead

The Case for Flexible Withdrawal Strategies Instead of Static Rules

Forget the 4% Rule. Here's What Dave Ramsey Says You Should Do With Your Retirement Savings

Retirees: The 4% Rule May Be Dead

Be Careful: Retiring at 62 With $2 Million Means Burning Through $380,000 Before Social Security Even Starts

That $85,000 Retirement Only Looks Comfortable Until You Hit Year 20

Retirees: The 4% Rule May Be Dead

Forget the 4% Rule. With the Right Portfolio, You Can Do Better

Be Careful: Retiring at 62 With $2 Million Means Burning Through $380,000 Before Social Security Even Starts

That $85,000 Retirement Only Looks Comfortable Until You Hit Year 20

Retirees: The 4% Rule May Be Dead

Forget the 4% Rule. With the Right Portfolio, You Can Do Better

Is It Possible to Retire By 35 If You've Saved $3 Million?

Dave Ramsey's 8% Retirement Rule Debate: Higher Income or Higher Risk?

Breaking Down Retirement Reality for Households With $4 Million Saved

Approaching 55-Here's How to Revamp Your 401(k) Now

Retirement Planning in 2026: 5 Brutal Truths No One's Telling You

#withdrawal-strategy
#withdrawal-strategy