Why we need to stop using Safe Withdrawal Rate (4% rule) for retirement planning

Anyone keen on financial independence after retirement, in particular early retirement, would have come across the safe withdrawal rate, in particular the 4% rule. Unfortunately, the 4% rule is misunderstood and misused that most of us are better off never using it for retirement planning! What is a safe withdrawal rate?  The safe withdrawal rate…

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There is more to retirement planning than building a large corpus!

All retirement planning discussions focus on beating inflation, investing enough and managing the corpus post-retirement. However, there is more to retirement planning than using calculators and investing right. As regular readers may be aware, I have been creating and using retirement calculators for more than 10 years now and have seen the results change from…

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