Posts tagged with "safe-withdrawal-rate"


  • Jun 15, 2024

    Should We Go With 3% Rule?

    I recently wrote a post about asset allocation in which a reader commented whether we should be using 3% safe withdrawal rate in Indian context instead of the 4% safe withdrawal rate that is generally accepted in the US (at least in the past). The commenter also provided a video supporting the 3% rule. I strongly encourage you to watch that first. It makes some good arguments. If you are interested, I’d also suggest you read the paper which contains all the details, assumptions, data and methodology used for the simulations. According to the research paper, it is recommended that one should go with a 3% safe withdrawal rate instead of the generally well known 4% rate.

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