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RetirePro Daily Brief · October 25, 2026
The 4% rule as a starting point only
The 4% rule came from studies of past returns where that starting withdrawal rate worked for most 30-year periods. Your own withdrawal rate should reflect when you stop working, how markets look at the start, and how long you need the money to last. Run the numbers with your specific details rather than adopting the rule as your plan.
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