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Chart of the Day: Safe Withdrawal Rates

Crews Bank & Trust Wealth Management Services Jan 23, 2024
percentages shown in red, orange, yellow and green

Contents

Today’s Chart of the Day was produced by Ofdollarsanddata’s Nick Maggiulli and shows the probability of success between your withdrawal rates, the percentage you withdraw from your portfolio each year, versus the allocation between stocks and bonds. It covers the results of the last 68 full 30-year periods from 1926 to 2022.

Though the past is no predictor of the future, the concept of taking out too much with too little risk versus not taking out enough with too much risk is important. Also, since outcomes can be impacted significantly by minor changes. For example, the chart highlights the risks of losing 1-2% annually from paying too high of fees for underperforming investments.
Chart of the Day

About the Author

Crews Bank & Trust Wealth Management Services
Crews Bank & Trust Wealth Management Services

Experienced professionals from our wealth management services team can help you achieve a bright financial future through investment strategies tailored to you. We’ll show you all of the options available and help you choose the ones best suited to you. We’ll provide high-quality, personal service as we work toward your goals together. Our Portfolio Managers do not receive commissions on trades; our recommendations of investments are based solely on your best interests.

Investments are not a deposit or other obligation of, or guaranteed by, the bank, are not FDIC insured, not insured by any federal government agency, and are subject to investment risks, including possible loss of principal.

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Chart of the Day: Stocks vs. Bonds in the Long-Run
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Chart of the Day: Forecasting is Easy, Getting it Right is Hard

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