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RetirePro Daily Brief · September 13, 2026
The 4% Rule Is Only a Benchmark
The 4% rule comes from a 1998 study of 30-year periods beginning 1926-1975. It suggests an initial withdrawal like $40,000 from a $1 million portfolio, adjusted annually for inflation. Your own rate depends on your retirement age, expected length, and income such as Social Security at 62 or 70 instead of applying 4% directly.
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