Calculateur de Taux de Retrait à la Retraite — Formule
## 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.
**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.
Exemple Résolu
$1,000,000 portfolio, $40,000/year withdrawal, 5% return.
- Withdrawal rate = $40,000 / $1,000,000 = 4.00%
- At 5% return and 4% withdrawal, portfolio theoretically lasts indefinitely
- Monthly income = $40,000 / 12 = $3,333