Glossary
Trinity Study
A 1998 study by three Trinity University professors that tested how long retirement portfolios lasted at different withdrawal rates, and popularised the 4% rule. It used historical US stock and bond returns over 30-year periods.
What it means for you
Read the thinkingThe number The maths from the talk: how big the pot, why I count thirty times spending rather than twenty-five, and what I actually hold. Still not advice — just my own sums, shown.It is the source of the "4%" figure, but its 30-year, US-only basis is why early retirees often plan more cautiously.
Related terms
Every term, in plain English, on one page — the full glossary. Education, not advice.
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The Exit Audit, then ninety minutes: a straight verdict, real alternatives with their pros and cons, and your first move. If you want someone to nod along, I’m the wrong person to pay.
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