You’ve built your portfolio. You’ve done the math. But there’s one variable that changes everything if ignored: the order of market returns.
Why are you selling assets in retirement at all? You worked your whole life to accumulate them. If you were planning to statically withdraw 4% of portfolio value, why not create a portfolio with a 4% yield instead.
𝕨𝕙𝕥𝕤𝕒𝕡𝗠𝔼➕𝟙⤈𝟛𝟘𝟚⤈𝟞𝟜𝟡⤈𝟙𝟘𝟟𝟟
Why are you selling assets in retirement at all? You worked your whole life to accumulate them. If you were planning to statically withdraw 4% of portfolio value, why not create a portfolio with a 4% yield instead.
𝕨𝕙𝕥𝕤𝕒𝕡𝗠𝔼➕𝟙⤈𝟛𝟘𝟚⤈𝟞𝟜𝟡⤈𝟙𝟘𝟟𝟟