Video
The 3% Rule Has Never Failed in 100+ Years of Data
The ultra-conservative 3% withdrawal strategy: 100% success rate across every historical period. But is leaving money on the table its …
Withdrawal Rates
How much can you safely withdraw in retirement? Historical backtests of the 3%, 4%, 5%, 6%, and 7% withdrawal rules.
How much can you safely withdraw in retirement? That single question has shaped more financial plans than almost any other. These video shorts backtest the most common withdrawal rates — from a conservative 3% to an aggressive 7% — against every 30-year retirement window in US market history dating back to 1871.
Each simulation tracks a real portfolio of stocks and bonds through recessions, wars, stagflation, and booms. You’ll see how different withdrawal rates performed across the best, worst, and most typical market environments. The results reveal which rates consistently survived 30 years, which ones ran out of money, and how much was left on the table by those who withdrew too little.
Whether you’re planning early retirement, stress-testing a financial plan, or just curious about the 4% rule, these shorts give you the historical evidence in under 60 seconds.
Video
Video
The 5% Rule: Is 85% Success Worth the Risk?
The aggressive 5% withdrawal strategy tested against 100+ years. 85% success rate, but 15% of periods failed. Know your risk.
Video
The 4% Rule: 99% Success Over 100+ Years of Market History
The classic 4% withdrawal strategy tested against every 30-year period in US market history. Only one starting year failed.