Assuming you are using
the mindful bucket approach described above (80 % stocks in the vulnerable period ascending to 100 % for the rest of retirement), a 3.5 % inflation adjusted withdrawal rate is very likely to ensure you have sufficient money in retirement, even over 60 years.
For the «old» investor who is near or in retirement, the
mindful bucket plan, as defined in Article 8.4, is a feasible and prudent
approach to minimize «sequence of return risk» and protect your nest egg.