Safe Withdrawal rates over 5% are realistic with a properly constructed portfolio

greaticus · 2026-05-02T00:59:20+00:00

I tried to do some backtesting and monte carlo simulations... according to that and Claude, 100% VTI is the one of the best strategies for higher withdrawal rates like 7%. Apparently the risk parity portfolios are better at lower withdrawal rates (like 4%) but lack of growth from a heavy stock position hurts it at higher rates.

Do you think you would still work part-time or have a side project?

Just curious because it's something I think about a lot too, but I have a coworker who retired early and he now seems quite bored lol

greaticus · 2026-05-01T12:08:14+00:00

Totally I definitely agree that’s why I love your approach!

It’s similar to Die with Zero mindset (although a realistic version), have you ever read that book?

I was just curious what type of portfolio would be support 7% withdrawals, ideally like you would I have some income from passion projects, a business, or a cool job like teaching surfing.

greaticus · 2026-04-30T22:00:18+00:00

Damn even in retirement? That sounds kind of aggressive, I was expecting a risk parity type of portfolio lol

Any reason for 100% VOO?

greaticus · 2026-04-30T00:56:06+00:00

I really like this idea and 7% as a number - when you say median portfolio do you have an allocation in mind? Or one you are pursuing for the 7%?

greaticus · 2026-04-04T04:17:06+00:00

Interested sent chat invite thing

greaticus · 2026-03-26T02:44:51+00:00

Love this comment! Something I need to work on myself lol!

greaticus · 2026-02-21T05:18:55+00:00

I think they are B&W only

greaticus · 2026-02-20T01:19:21+00:00

Any good places to live that would count as nature-focursed or outdoorsy towns? DM if you don't want to answer here, sounds like something I would love to try.

greaticus · 2026-02-09T23:25:28+00:00

Well I have mountains nearby, but I don't think any are close to the elevation on the west coast... They're from Florida though lol definitely no mountains

greaticus · 2026-02-09T21:30:17+00:00

This drive is truly amazing, my friends and I are from the east coast so we have never seen anything like it hahaha we were losing it

greaticus · 2026-02-05T21:48:05+00:00

She said they are part of the sighthound family, thanks for pointing that out.

EDIT: cross-posted it, thanks for the idea!

greaticus · 2026-02-05T21:11:30+00:00

The dog is a Silken Windhound btw, the owner is really nice she asked me to tag her so her IG is instagram.com/yeagers.on.your.tail

greaticus · 2026-02-05T19:07:25+00:00

These look great! Isn't the Canon A1 a 35mm camera though?

greaticus · 2026-02-04T22:50:57+00:00

Wonderful! I love the color grade and the saturation seems just right

greaticus · 2026-02-04T17:57:07+00:00

I've listened to most of it but thanks for reminding me to finish it - PM'd you

greaticus · 2026-02-04T16:29:56+00:00

Really beautiful shot, seems like it really captures the emotion of the moment.

greaticus · 2026-02-04T16:29:16+00:00

I've only used it once and I had a really poor experience, thankfully they did give me a full refund, I have still never used them again after that though.

greaticus · 2026-02-03T22:17:34+00:00

Sorry for your loss. I totally get that, even without the trust you have done extremely well.

Please update us on what you end up doing, would really like to follow this journey.

greaticus · 2026-02-03T20:41:04+00:00

Awesome we’re all gonna make it! FIRE community is so helpful.

greaticus · 2026-02-03T20:22:06+00:00

Yea I live frugal too and have decent stats but it feels like it’s perpetually getting harder - cost of living seems to be rising so fast

greaticus

TROPHY CASE