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LT planning

This page is just a reference and is not connected to any of the other pages
Easy rules of thumb
4% SWR, 2.5-3 more conservative, (need 25-50x annual spend in retirement)
Assumptions
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Name
Constant
Work period return (accounting for inflation)
0.05
Retirement period return (accounting for inflation)
0.02
Work period tax rate
0.4
Retirement period tax rate
0.3
No lock period tax rate
0.25
Child annual cost
25000
Child time of dependency (years)
20
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Work period
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Retired period
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