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Does the 4% Guideline Rest on a Flawed Assumption?
Morningstar 
Dec. 13, 2021 "[R]ecent research on safe retirement spending rates featured a flashy takeaway: Retirees who are using a fixed real withdrawal system on a balanced portfolio should start with withdrawals in the low 3% range, rather than the standard 4% guidance for starting withdrawals.... The question is, does a system of fixed real withdrawals, which we used to underpin our baseline conclusions about sustainable in-retirement spending, reflect how people actually spend in retirement? Not necessarily." |
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