The «4 % rule» suggests that you make annual withdrawals from your retirement savings equal to 4 % of the total when you retire, with annual adjustments for inflation. (cfs4me.com)
A one year ARM allows annual adjustments of no more than one percent and has a lifetime cap of five percent. (themortgagereports.com)
It's easier to make small annual adjustments than to realize at age 85 that you no longer have sufficient money to cover your base spending requirements. (theretirementmanifesto.com)