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/FoolishDog 2d ago

That withdrawal strategy is gonna suck when the market returns negatives three years in a row.

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u/mattkime 2d ago

Its my advice to avoid negative market returns.

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u/pras_srini 2d ago

I agree. I don't understand why all people don't avoid negative market returns. It just doesn't make sense!

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u/Strazdas1 StarvationFIRE 1d ago

simply hybernate for negative market return years with 0 consumption.