Safe withdrawal rate for retirement
Boone & Crockett
Posted 1/31/2026 07:43 (#11534016 - in reply to #11533950)
Subject: RE: Safe withdrawal rate for retirement


John Burns - 1/31/2026 06:34

Boone & Crockett - 1/30/2026 06:08

with zero order of returns risk. And if we dont, no 1099 shows up in the mail. Thats pretty nice feature. Rather comforting to not have to worry about markets crashing in retirement.


All you have is counterparty risk.

That may be low but not zero.

I've inherited a lot of my dad's depression era genes. I don't much trust big banks or insurance companies. I use them what I have to, and avoid them when I don't.
Even a coffee can buried in the back yard has risk. Our accounts are backstopped by a state fund of $300,000 per account. Similar to SIPC on brokerage accts. To each his own, but for our goals, higher fixed rates guaranteed for mulltiple times longer periods than our bank CD's, along with not ever getting a 1099 in the mail when we elected to let the interest accumulate has been a rock solid base of our personal financial pyramid. A nice strategy is to ladder accounts and withdraw income systematically over our anticipated life expectancy. I always maintained retirement is three distinct phases, phase one is the go-go years, phase two is the slow-go years, and phase three is the no go years. You and your wife are kinda the poster children for that. I want a strategy for my wife and i to front load as much tax free income during the go go years as possible, to maximize our ability to enjoy traveling and vacationing in the optimal manner our finances allow. Ill try and find time to outline such a strategy in a future post.

Edited by Boone & Crockett 1/31/2026 07:56
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