{"id":137,"date":"2013-09-03T21:39:27","date_gmt":"2013-09-04T01:39:27","guid":{"rendered":"http:\/\/blog.efficertain.com\/?p=137"},"modified":"2013-11-25T15:02:27","modified_gmt":"2013-11-25T19:02:27","slug":"is-4-an-unsustainable-withdrawal-rate","status":"publish","type":"post","link":"https:\/\/brintab.com\/?p=137","title":{"rendered":"Is 4% an Unsustainable Withdrawal Rate"},"content":{"rendered":"<p>Historically, 4% was thought to be the withdrawal rate the average portfolio could withstand on a long term basis without eating into capital.  Recent research indicates that in today&#8217;s lower investment return environment, maybe that&#8217;s no longer sustainable. We all think of our average long term portfolio returns as the determinant of the sustainable withdrawal rate but another big factor is the portfolio&#8217;s volatility because if you happen to take money out when the portfolio is facing a dip, it may never recover.  Hence the need for more stable portfolios when withdrawing. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Historically, 4% was thought to be the withdrawal rate the average portfolio could withstand on a long term basis without eating into capital. Recent research indicates that in today&#8217;s lower investment return environment, maybe that&#8217;s no longer sustainable. We all<span class=\"ellipsis\">&hellip;<\/span><\/p>\n<div class=\"read-more\"><a href=\"https:\/\/brintab.com\/?p=137\">Read more &#8250;<\/a><\/div>\n<p><!-- end of .read-more --><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9,10,11],"tags":[],"class_list":["post-137","post","type-post","status-publish","format-standard","hentry","category-financial-planning","category-investment","category-tax"],"_links":{"self":[{"href":"https:\/\/brintab.com\/index.php?rest_route=\/wp\/v2\/posts\/137","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/brintab.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/brintab.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/brintab.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/brintab.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=137"}],"version-history":[{"count":3,"href":"https:\/\/brintab.com\/index.php?rest_route=\/wp\/v2\/posts\/137\/revisions"}],"predecessor-version":[{"id":297,"href":"https:\/\/brintab.com\/index.php?rest_route=\/wp\/v2\/posts\/137\/revisions\/297"}],"wp:attachment":[{"href":"https:\/\/brintab.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=137"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/brintab.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=137"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/brintab.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=137"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}