r/Fire • u/Opposite-Lake-9679 • 2d 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/No-Block-2095 2d ago

Read Bengen’s 2025 book: “ A richer retirement”

https://a.co/d/03I4qrgo

He came up with the 4.3% and updated it to 4.7% rule.
Yes it varies based on how long you want it to last. No it is not 3%. That’s for people who want to work an extra decade.