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How Are People Who Retired In The Year 2000 Doing Today?

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An interesting implication of the following chart is the predicted sustainable withdrawal rate of only 3.12% for a retiree in January 2000. At that point, market valuations had reached a historical peak (about 50% higher than seen in the historical period when we could estimate the sustainability of the 4% rule). With the safe savings rate approach, a 2000 retiree with the case study assumptions I discussed in Tuesday’s article could have met her spending goal with a 2.8% withdrawal rate.