Withdrawal Strategy Comparator

The 4 Strategies Explained

4% Rule (Fixed): Withdraw 4% of initial portfolio, adjusted annually for inflation. Simple but doesn't adapt to market conditions.

Guyton-Klinger Guardrails: Start with 5% withdrawal but adjust — cut spending after bad years, increase after good years based on preset rules.

VPW (Variable Percentage Withdrawal): Withdraw a percentage based on remaining balance and life expectancy. Never runs out but income varies.

CAPE-Based: Adjusts withdrawal rate based on market valuations (Shiller CAPE ratio). More conservative when markets are expensive.