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The 4% Spending Rule, 20 Years Later
Vanguard 
Nov. 10, 2014
"Many of the published studies show simulated outcomes using benchmark returns as a proxy, with no consideration of real-life costs such as taxes and investment fees.... For a moderate investor, the success rates drop from 84% to 74% when higher costs are used. What this means is that the risk moved from a 16% chance of running out of money to 26%, and the sole factor was investment costs, which is one of the main things that investors can control!"
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