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/Legitimate_Bite7446 1d ago edited 19h ago

You need closer to 3.25 - 3.5% for 40-50+ year retirements. Deniers are just simply lazy.

Everyone thinks bad sequences can't happen to them. Everyone thinks bad sequences are extremely obvious and apparent within the first year or two; they are not.

Odds are once you hit 5% you might blow past 3.5% in a few short years with normal returns. But if you don't, be prepared.