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2/22/2017: The Impact of Decreasing Retirement Spending on Safe Withdrawal Rates (Michael Kitces in Nerd's Eye View)
"The conventional method for evaluating safe withdrawal rates assumes that retirees maintain a stable standard of living through retirement in real (inflation-adjusted) dollars.... [C]onstant real spending is not particularly realistic for most retirees. Instead, various studies are finding that real spending actually declines throughout retirement, by as much as 1% to 2% per year. And compounded throughout retirement, this discrepancy between standard industry assumptions and actual retiree behavior may be underestimating the safe withdrawal rate."
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