Why the 4% rule might fail for those retiring at 45 & what to do instead
For Indians aiming to retire at age 45, the 4% withdrawal rule might not be effective because it was designed for a 30-year retirement span. Those who retire early need to calculate the size of their retirement fund according to their personal lifestyle choices, since a standard 4% rate cannot meet long-term requirements. Additionally, having an emergency buffer becomes highly crucial for early retirees.
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