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