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Other Benefits of These Three Methods
Along with higher lifetime spending, the built-in adaptability of all three of these methods allowed for higher spending rates at the beginning of retirement compared with our base-case starting safe withdrawal rate of 3.9% of assets.
we estimate that retirees following the guardrails method could safely withdraw 5.2% of the portfolio value at the beginning of retirement. The probability-based guardrails method allowed for a 5.1% starting withdrawal rate, and the RMD method allowed for 4.7%. With a starting portfolio value of $1 million, those higher percentages would allow for a decent boost in first-year spending (ranging from $8,000 to $13,000) compared with the base-case strategy.
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