What lower interest rates have done is “force” investors to reach for yield. Since it's too hard for most retirees to live only off my new safe withdrawal rate rule, most retirees don't. To be able to sustain
I did a little comparison of several different withdrawal methods, looking at their performance over historical and simulated scenarios, and even looking at which were most “efficient” at delivering your funds for spending use and “disruptive” to year-to-year spending; the links are here if ...