winpieTaiwan-focused

4% Withdrawal Rule

Based on the Trinity Study, if your retirement assets equal 25× your annual expense (4% withdrawal), you have a 95% historical success rate over 30 years. This tool computes the target assets, the supportable expense at a given asset level, and scenarios from 3% to 4.5%.

Inputs

Estimated yearly living cost in retirement.

4.0 %

Commonly discussed range: 3%–4.5%.

Results (4.0% withdrawal)
Required retirement assets to cover expense
NT$15M
Annual expense × 25.0
Scenarios at different withdrawal rates
RateRequired assets
3%NT$20M
3.5%NT$17.14M
4%NT$15M
4.5%NT$13.33M

Formula: required assets = annual expense ÷ withdrawal rate. Based on Trinity Study and similar public retirement literature. Outputs are math estimates only and do not constitute guarantees or retirement advice.

Assumptions

  • Based on 1926–1995 US stock/bond historical data (Trinity Study)
  • Balanced 50/50 to 75/25 stock/bond portfolio
  • 30-year horizon (early retirees with 40+ years need to adjust)
  • Inflation-adjusted annual withdrawal

See Trinity Study article for background and Taiwan-specific adjustments.

Related tools

All tools →