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20 votesWilliam N. supported this idea ·
An error occurred while saving the commentWilliam N. commented
If you increase the withdrawal percentage you need a smaller amount to "support" your retirement, so the years to retirement gets smaller. This model does not appear to say anything about how many years of retirement you will have. A higher withdrawal percentage very likely means you have a shorter retirement, which in turn likely means you run out of money. You should just leave the percentage set at 3-4% and use a different model (on another site - they don't appear to have another one here) to figure out the whole picture. Or consider using a different model somewhere else in the first place. Fidelity or Vanguard or Bank of America or ...(the list is long) have better retirement calculators.