Welcome! You probably landed on this page because you clicked someone’s link to my Safe Withdrawal Rate Series. Thanks for stopping by! This series has now grown to 30+ parts and if you are looking for a less technical summary before jumping into the nitty-gritty details, I recommend you check out the new “landing page” to my … Continue reading The Ultimate Guide to Safe Withdrawal Rates – Part 1: Introduction| Early Retirement Now
Since I first published Part 7 of the SWR Series with the accompanying Google Sheet in early 2017, I’ve made several changes and enhancements. Sometimes without much explanation or documentation. So, it would be nice to do a quick update and itemize the changes since then. Whether this is the first time using the toolbox … Continue reading An Updated Google Sheet DIY Withdrawal Rate Toolbox (SWR Series Part 28)| Early Retirement Now
Welcome back to the 20th installment of the Safe Withdrawal Rate series. Check out Part 1 to jump to the beginning of the series and for links to the other parts! This is a follow-up from last week’s post on equity glidepaths to address a few more open questions: Some more details on the mechanics of … Continue reading The Ultimate Guide to Safe Withdrawal Rates – Part 20: More Thoughts on Equity Glidepaths| Early Retirement Now
One of the most requested topics for our Safe Withdrawal Rate Series (see here to start at Part 1 of our series) has been how to optimally model a dynamic stock/bond allocation in retirement. Of course, as a mostly passive investor, I prefer to not get too much into actively and tactically timing the equity … Continue reading The Ultimate Guide to Safe Withdrawal Rates – Part 19: Equity Glidepaths in Retirement| Early Retirement Now
This is a long overdue post considering how much we’ve written about safe withdrawal rates already. Sequence of Return Risk, sometimes also called Sequence Risk, is the scourge of early retirement. Or any retirement for that matter. So, here we go, finally, we have a designated post on this topic for our Safe Withdrawal Rate series (check here to … Continue reading The Ultimate Guide to Safe Withdrawal Rates – Part 14: Sequence of Return Risk| Early Retirement Now
April 14, 2023 – Welcome to a new installment of the Safe Withdrawal Rate Series. Please check out the SWR landing page for a summary of and a link to the other posts. Today’s topic is homeownership. I’ve already made the case that not just rental properties but even homeownership can be a great tool … Continue reading Accounting for Homeownership in (Early) Retirement – SWR Series Part 57| Early Retirement Now
The Safety First retirement approach can be useful for traditional retirees. It's not viable for early retirees, due to low interest rates.| Early Retirement Now
Welcome back to another installment of the Safe Withdrawal Rate Series. This one is about taxes. Amazing, how after 30+ installments in the series, I have written conspicuously little about taxes. Sure, I’ve done some Case Studies where, among many other issues, I delved into the tax planning, most recently in the Case Study for … Continue reading Asset Location: Do Bonds Really Belong in Retirement Accounts? – SWR Series Part 35| Early Retirement Now
June 16, 2023 – I wonder if I’ll ever run out of material for the Safe Withdrawal Series. Fifty-eight parts now, and the new ideas come faster than I can write posts these days. This month, I initially planned to write about the effects of timing Social Security in the context of safe withdrawal simulations. … Continue reading Flexibility is Overrated – SWR Series Part 58| Early Retirement Now
How does Sequence Risk interact with Social Security timing? Should you claim Social Security early to prevent withdrawing too much from your equity portfolio during a downturn early in retirement?| Early Retirement Now