How to Customize Your Safe Withdrawal Rate

While the 4% rule works best with a stock allocation between 50% and 75%, what about other asset allocations? If you have fewer than 50% in stocks or more than 75%, how do you determine your safe withdrawal rate?

In this video, I'll use two tools to show how you can estimate a safe withdrawal rate that matches your investment portfolio.

FICalc: https://ficalc.app/
New Retirement: https://robberger.com/new-retirement
Vanguard Article: https://investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation
Portfolio Visualizer: https://www.portfoliovisualizer.com/backtest-asset-class-allocation

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While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

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