Calculadora de Tasa de Retiro en Jubilación Gratis
Calcula una tasa de retiro sostenible para tus ahorros de jubilación. Evita quedarte sin dinero con una estrategia de retiro adecuada.
Withdrawal Rate
4.00 %
Withdrawal Rate vs Portfolio Value
Fórmula
## Withdrawal Rate Analysis **Withdrawal Rate = Annual Withdrawal / Portfolio Value** ### Safe Withdrawal Rates | Rate | Risk Level | |---|---| | 3% | Very conservative | | 4% | Traditional safe rate | | 5% | Moderate risk | | 6%+ | Higher depletion risk | The famous 4% rule is based on research showing a 4% initial withdrawal (adjusted for inflation) has historically survived 30-year periods.
Ejemplo Resuelto
$1,000,000 portfolio, $40,000/year withdrawal, 5% return.
- 01Withdrawal rate = $40,000 / $1,000,000 = 4.00%
- 02At 5% return and 4% withdrawal, portfolio theoretically lasts indefinitely
- 03Monthly income = $40,000 / 12 = $3,333
Preguntas Frecuentes
What is a safe withdrawal rate?
The 4% rule is the most cited guideline. Recent research suggests 3.5-4.5% depending on market conditions, asset allocation, and retirement length.
Does the 4% rule still work?
The 4% rule was developed based on historical US market data. With current lower expected returns, some experts suggest 3-3.5% for longer retirements.
Should I adjust withdrawals for inflation?
Yes. Most retirement planning assumes you increase withdrawals annually by inflation (2-3%). This maintains your purchasing power over time.
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