I don't think 4% is suitable for everyone. It depends on what kind of lifestyle you want. 6% for Singaporean, yes...haha.. inflation and medical fee is the main problem!

i have set my goal to make as much profit and try to make as much money. with 4% rule i dont use. i am new at this treading so learning about it and trying to even out before i can make any profit.

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I am more interested in using my annual expenses instead of 12 x monthly as expenses can vary in different months. Also, i am more keen to develop passive income thar exceeds basic necessities for now. What do you think?

for me, the % is just a visual cue. we are visual orientated and its easier to work with a number in mind. The 4% rule is great that because it is simple!  knowing i aim to withdraw 4% of my savings each year, I can plan ahead with flexibility to adjust based on market changes and my personal needs

I think it’s a useful reference but not a magic number. You could continue to work and explore interests, hence getting constant stream of active income. You could also need large expenses.

Very interesting read

not enough, 4% is too low because my expense is low

To adjust for inflation using 6% rule is wrong ❗You need 2mil to live off instead of 3mil when you divided your annual saving by 6%❓🤓

After dividing by 4% I think it is way too much to achieve.. ridiculous @Barcode @Aqa @melson @LMSunshine

I am not financial savvy. I keep aside 10 percent instead to invest on s&p etf, gold etf and Bitcoin etf to do the income generation in recurring monthly basis.

i use the 100%, who needs food when the adrenaline of winning and losing makes you super saiyan

I set my investment goals by buying valuable companies. I agree 4% rule to certain extent. I use multiple brokers and platform for my investment. There are ups and down. So far, it seems to be on track

kind of agree but still depend on yourself how u want to spend.

Thanks for your sharing. Good to know that.

This is the first time in my life of hearing this 4% rule. First things first most of us are not individuals by the time we all retire. We are either married or still have children that are not fully independent. It's not that easy as you have to factor in a lot of assumptions and situations. If only life was that simple. As you age you might even spend less as you start to slow down as you get older. What you spend today or now is not the same 5 or 10 years down the road when you are 50, 60 or 70 years old. How you wish life was that simple man.

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yes