4% rule
A guideline from US research suggesting you can withdraw 4% of your portfolio in year one, then adjust that amount for inflation each year, with a low chance of running out over 30 years. It came from the Trinity Study and assumes a US stock-and-bond mix.
A quick sanity check for "how big must my pot be?", but 30 years is short for an early exit, so many treat it as a ceiling rather than a target.
Antiquated and misused — good idea, wrong application. It comes from a study where ending year 30 with zero still counted as a success. That's not my definition of one.
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