I've also got some graphics showing yearly withdrawal amounts and remaining portfolio values for each method that I will upload as soon as possible. Unfortunately, at the moment, the image upload function is not working. I've PM'ed Alex and asked him to investigate the problem when he has a moment. --CyberBob 19:14, 27 August 2008 (UTC)
- mptfan e-mailed with the following request" suggest adding a section addressing tax strategies related to withdrawals in retirement. E.g., withdrawing from tax deferred accounts to fill up the lower tax brackets. Blbarnitz 21:35, 27 August 2008 (UTC)
I didn't add the Portfolios sidebar here, it looked out of place. The navigation template is sufficient. --LadyGeek 13:11, 7 November 2010 (EST)
Reader feedback: Include a survey at the end ...
Include a survey at the end on the method retired members used closest to those listed and if they started using one method then switched.
Blbarnitz 14:34, 17 December 2013 (CST)
An anonymous survey is not a credible information source and is not appropriate to be included in the wiki. Additionally, withdrawal methods are dependent upon individual situations; a survey should not be used to provide this type of advice. It's better to have a forum discussion so that circumstances can be better understood. --LadyGeek 21:41, 17 December 2013 (CST)
Reader feedback: Add the various "bucket" met...
Add the various "bucket" methods now proposed.
Blbarnitz 10:40, 20 January 2014 (CST)
Reader feedback: Should expenses greater than...
Should expenses greater than social security and RMD be taken from taxable or from traditional IRA?
Blbarnitz 18:06, 27 July 2014 (CDT)
Constant-dollar is NOT a recommended withdrawal method
The 4% SWR (Constant-dollar) withdrawal method is just a planning tool, useful to answer the question "how much do I need to retire?". It is not meant as a withdrawal method.
Professor Philip L. Cooley, senior author of the paper referred to in our forum as "the Trinity study" (one of the sources for the "4% rule" or SWR) wrote "Stay flexible my friend!, which is the advice we should give to retirees" (see Bogleheads® forum post:).
Yet, our wiki page about portfolio withdrawal methods displays Constant-dollar prominently in first position, without providing any warning about the fact that it shouldn't be actually used during retirement.
Also, I think that our presentation of portfolio withdrawal methods should discuss more broadly how portfolio withdrawals should be combined with unsurvivable base income such as Social Security, a pension (if any), and (if necessary) a Single Premium Immediate Annuity, ideally indexed to inflation. Something along what we find in Variable percentage withdrawal#How to use variable-percentage withdrawals during retirement.
What do you think?
Longinvest 07:26, 13 April 2016 (UTC-0400)
- How is Constant-dollar different than Constant-percentage and Variable-percentage? To me, each of these are methods - meaning how to withdraw. I agree that the content should have a broader discussion. If you have some ideas, create a user page for developing your ideas and we can work from that.
- Have you looked at the possibility to connect this page to Retirement spending, which is another perspective?
- --LadyGeek 17:13, 13 April 2016 (EDT)
Reader feedback: How the background graph (bl...
How the background graph (blue bars) on each of these examples was created is unclear. Is this supposed to be $50K growing over 35 years? That does not seem to add up. Could you add a key? Thank you - otherwise, totally amazing page!
Peculiar Investor 12:26, 18 October 2020 (UTC)