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  1. Knowledge
  2. ›Glossary
  3. ›Withdrawal Plan

FIRE

Withdrawal Plan

A withdrawal plan is a strategy for drawing down accumulated wealth in regular steps during retirement.

A withdrawal plan governs how accumulated wealth is drawn down systematically in retirement without the capital being exhausted prematurely.

The best-known rule is the "4% rule": withdraw 4% of the portfolio in the first year and then raise the amount each year in line with inflation. Historically, this strategy has held up over 30 years in 95% of cases.

Alternatives include percentage withdrawal (always x% of the current value), the bucket strategy (splitting the portfolio into short-, medium-, and long-term pots), or a pure dividend strategy (spending only the distributions).

Related terms

Pension GapDividendReturn/Yield

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