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Wow I never heard of the "Trinity Study", its a report written 25 years ago by a few guys at a small university I've never heard of. Remember back then bond yields were 5% and inflation was 2%, Clinton was president and the dotcom boom was really starting. Things are very different now.

https://en.wikipedia.org/wiki/Trinity_study



I don't think "things are very different now" is a refutation of the study without providing more specifics. It's also been repeated more recently, with updated data. The 30-year results, I believe, still hold, but as I note, if your retirement horizon is much longer than 30 years, you'll have to be more conservative with your withdrawal rate.




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