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Does the 4% Retirement Spending Rule Hold Up?
Vanguard 
Aug. 23, 2010
Excerpt: Now, when economists hear about this '4% rule' for spending in retirement, they tend to cringe. (At least one well-known one has written an article explaining some reasons why.) One of the biggest issues they point out is, as the chart shows, that the '4% rule' in most cases tends to leave a lot of money unspent (at least over the 30-year horizon), and is hence potentially inefficient.
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