Cara Menghitung Retirement Withdrawal Strategy

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Retirement withdrawal planning determines safe annual withdrawal amounts from retirement savings using the 4% rule or other methods. Balances immediate income with long-term portfolio sustainability.

Rumus

4% Rule: Annual withdrawal = Portfolio value × 0.04

Panduan Langkah demi Langkah

1Enter retirement portfolio value
2Apply withdrawal rate (4% is common)
3Adjust for inflation and portfolio growth annually

Contoh Terpecahkan

Masukan

Portfolio: $1M, Rate: 4%

Hasil

Annual withdrawal: $40k

Adjusted for inflation each year

Kesalahan Umum yang Harus Dihindari

✕Using fixed dollar amount without inflation adjustment
✕Withdrawing too aggressively in poor market years

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