如何计算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.
公式
4% Rule: Annual withdrawal = Portfolio value × 0.04
分步指南
- 1Enter retirement portfolio value
- 2Apply withdrawal rate (4% is common)
- 3Adjust for inflation and portfolio growth annually
例题解析
输入
Portfolio: $1M, Rate: 4%
结果
Annual withdrawal: $40k
Adjusted for inflation each year
常见错误注意事项
- ✕Using fixed dollar amount without inflation adjustment
- ✕Withdrawing too aggressively in poor market years
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