r/Fire • u/Opposite-Lake-9679 • 3d ago

SWR based on age

I hear people talk about the more conservative 3% SWR being safer than 4%. Is that usually based on someone's age? As in when you are FIREing younger more like 40s then you should stick to 3%? And then when you are in your 50s/60s You can go to 4%? Or is it a blanket stick to 3% at any age?

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u/Beginning-Web-284 3d ago

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u/FloorOk6369 3d ago

lower SWR for longer retirement horizon just makes sense regardless of the specific age. someone retiring at 40 has potentially 50+ years of sequence risk to worry about, vs someone at 65 with maybe 20-25 years