Safe withdrawal rate for retirement portfolios. Trinity Study (1998): 4% initial withdrawal, adjusted for inflation, survived 95% of 30-year periods historically. Based on 50/50 stock/bond portfolio. Debate: too aggressive (Sequence of Returns Risk), too conservative (ignores flexibility). FIRE community split: 3.25-3.5% (conservative), 4% (standard), 4.5% (aggressive). 2022 bear market validated critics.
Sources: Personal finance forums, investment research
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