Calculadora de Taxa de Retirada na Aposentadoria — Formula

Withdrawal Rate Analysis

Withdrawal Rate = Annual Withdrawal / Portfolio Value

Safe Withdrawal Rates

RateRisk 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.

Exemplo Resolvido

$1,000,000 portfolio, $40,000/year withdrawal, 5% return.

  1. Withdrawal rate = $40,000 / $1,000,000 = 4.00%
  2. At 5% return and 4% withdrawal, portfolio theoretically lasts indefinitely
  3. Monthly income = $40,000 / 12 = $3,333