Bottom line: It's impossible to identify
an ideal withdrawal rate in advance.
However, it's better to shoot for
the ideal withdrawal rate that touches no principal and fail than be too aggressive as there is no reverse button!
The ideal withdrawal rate in retirement touches no principal, after all.
It's true, to go from building wealth to drawing down wealth can be daunting, which is why
the ideal withdrawal rate in retirement touches no principal!
Instead,
the ideal withdrawal rate in retirement draws down ZERO principal.
Not exact matches
Take a look at this post for the
ideal retirement
withdrawal rate: https://www.financialsamurai.com/2013/05/08/the-
ideal-
withdrawal-
rate-for-retirement-doesnt-touch-principal/
If stock price changes are caused by economic realities, the market is efficient and Buy - and - Hold is the
ideal strategy (and the safe
withdrawal rate is always the same number).