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The
'Mother-of-All' |
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Safe
Withdrawal Studies |
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Retire
Early "Mother-of-All" Safe Withdrawal Studies -- Shiller's
1871-2002 Database -- Version 1.61 REHP Calculator (Nov. 7, 2002 release) |
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-------------------30-Year
Pay Out Period -- 60% stock------------------------ |
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-------------------40-Year
Pay Out Period -- 70% stock------------------------ |
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-------12
x 102 + (9/16/1929) = 1,225 Pay Out
Periods Examined----------- |
-------12
x 92 + (9/16/1929) = 1,105 Pay Out
Periods Examined----------- |
Month |
100% Safe |
99% safe |
95% safe |
90% safe |
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Month |
100% Safe |
99% safe |
95% safe |
90% safe |
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Jan |
4.12% |
4.15% |
4.42% |
4.55% |
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Jan |
3.70% |
3.90% |
4.13% |
4.26% |
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Feb |
4.12% |
4.13% |
4.41% |
4.58% |
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Feb |
3.93% |
4.06% |
4.18% |
4.42% |
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Mar |
4.18% |
4.21% |
4.40% |
4.61% |
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Mar |
4.01% |
4.03% |
4.22% |
4.38% |
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Apr |
4.17% |
4.17% |
4.37% |
4.60% |
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Apr |
4.13% |
4.17% |
4.26% |
4.33% |
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May |
4.19% |
4.32% |
4.39% |
4.63% |
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May |
4.11% |
4.17% |
4.33% |
4.49% |
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Jun |
4.28% |
4.32% |
4.51% |
4.68% |
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Jun |
4.14% |
4.23% |
4.40% |
4.56% |
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Jul |
4.31% |
4.32% |
4.44% |
4.75% |
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Jul |
4.13% |
4.17% |
4.43% |
4.52% |
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Aug |
4.09% |
4.27% |
4.39% |
4.62% |
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Aug |
3.67% |
4.08% |
4.20% |
4.34% |
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Sep |
3.94% |
4.30% |
4.41% |
4.69% |
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Sep |
3.52% |
4.13% |
4.22% |
4.41% |
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16-Sep-29 |
3.91% |
4.30% |
4.41% |
4.69% |
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16-Sep-29 |
3.49% |
4.14% |
4.22% |
4.41% |
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Oct |
4.22% |
4.25% |
4.37% |
4.74% |
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Oct |
3.85% |
4.06% |
4.30% |
4.57% |
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Nov |
4.19% |
4.22% |
4.61% |
4.71% |
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Nov |
4.06% |
4.23% |
4.30% |
4.36% |
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Dec |
4.22% |
4.23% |
4.60% |
4.69% |
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Dec |
4.13% |
4.23% |
4.33% |
4.45% |
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Average |
4.15% |
4.25% |
4.44% |
4.66% |
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Average |
3.91% |
4.12% |
4.27% |
4.42% |
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Minimum |
3.91% |
4.13% |
4.37% |
4.55% |
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Minimum |
3.49% |
3.90% |
4.13% |
4.26% |
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-------------------50-Year
Pay Out Period -- 70% stock------------------------ |
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-------------------60-Year
Pay Out Period -- 75% stock------------------------ |
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-------12
x 82 + (9/16/1929) = 985 Pay Out
Periods Examined----------- |
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-------12
x 72 + (9/16/1929) = 865 Pay Out
Periods Examined----------- |
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Month |
100% Safe |
99% safe |
95% safe |
90% safe |
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Month |
100% Safe |
99% safe |
95% safe |
90% safe |
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Jan |
3.64% |
3.75% |
3.89% |
4.13% |
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Jan |
3.64% |
3.71% |
3.77% |
4.02% |
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Feb |
3.61% |
3.86% |
3.93% |
4.15% |
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Feb |
3.60% |
3.83% |
3.84% |
3.98% |
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Mar |
3.68% |
3.84% |
3.97% |
4.19% |
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Mar |
3.68% |
3.81% |
3.90% |
4.16% |
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Apr |
3.88% |
3.94% |
4.00% |
4.19% |
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Apr |
3.83% |
3.88% |
3.95% |
4.13% |
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May |
3.93% |
3.97% |
4.12% |
4.27% |
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May |
3.91% |
3.95% |
4.01% |
4.11% |
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Jun |
3.98% |
3.99% |
4.18% |
4.32% |
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Jun |
3.91% |
3.95% |
4.08% |
4.23% |
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Jul |
3.81% |
3.95% |
4.15% |
4.30% |
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Jul |
3.83% |
3.94% |
3.98% |
4.23% |
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Aug |
3.42% |
3.77% |
3.90% |
4.06% |
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Aug |
3.26% |
3.79% |
3.84% |
3.97% |
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Sep |
3.30% |
3.92% |
3.92% |
4.10% |
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Sep |
3.13% |
3.78% |
3.85% |
4.05% |
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16-Sep-29 |
3.26% |
3.85% |
3.92% |
4.11% |
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16-Sep-29 |
3.10% |
3.78% |
3.86% |
4.05% |
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Oct |
3.61% |
3.74% |
4.03% |
4.25% |
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Oct |
3.45% |
3.76% |
3.94% |
4.11% |
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Nov |
3.75% |
4.02% |
4.03% |
4.11% |
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Nov |
3.75% |
3.94% |
3.97% |
4.06% |
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Dec |
3.82% |
3.97% |
4.09% |
4.23% |
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Dec |
3.82% |
3.90% |
4.03% |
4.13% |
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Average |
3.67% |
3.89% |
4.01% |
4.19% |
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Average |
3.61% |
3.85% |
3.92% |
4.09% |
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Minimum |
3.26% |
3.74% |
3.89% |
4.06% |
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Minimum |
3.10% |
3.71% |
3.77% |
3.97% |
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