Glossary

Safe withdrawal rate — SWR

The percentage of your portfolio you can withdraw each year, rising with inflation, with a high chance of the money lasting your whole retirement. The 4% rule is one estimate of it; longer retirements point to lower rates.

What it means for you

The lower the rate, the safer the plan and the bigger the pot you need, so it is the key dial in the whole calculation.

See it in numbersThe Exit Calculator How many years until you can stop working, plus the earlier point where your savings will finish the job on their own, even if you stop adding.

Every term, in plain English, on one page: the full glossary. Education, not advice.

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