Re: [TSPStrategy] Estimating TSP Balance growth rate over 30 year retirement

I retired 12/31/12. I took 4% in 2013. Then after that I took a minimum of 1% less than I made the year before. There have only been two years that I went back to 4% due to loss.  That's my method, it works for me. I have not gone below my starting retirement tap value yet.  

However if this year keeps going the way it is, I may!!! YUCK!!!

On Feb 2, 2022, at 10:17 AM, Carlos Miranda <mirandarts@gmail.com> wrote:

If you're truly gonna go C and S. I would look up the average growth for the last twenty years and take about sixty percent of the average percentage.   In other words if you make 10% then take 6% just to be on the safe side on the down years. I would think that would be safe. I'm with you. I think the standard 4% rule is too low if you're not all in. 

Carlos Miranda

Mirandarts@gmail.com

On Feb 2, 2022, at 11:10 AM, Steven Vitto <squillante@gmail.com> wrote:



I'd like to ask especially those who have retired or are about to.  What percentage growth do (or did) you plug in to the annuity calculator to determine what you can safely take out monthly anticipating a 30 year retirement. I am sticking to the C and S Funds.  In general, people say 3% but  many people say 7 to 10%. Obviously, no one correct answer but I wonder what most people plan on - what can relatively safely be planned on. The difference between 3 and 10% is huge for a monthly annuity estimate. Thank you.