For the average investor, the biggest financial challenge is to invest savings to create a portfolio with a sustainable withdrawal plan during retirement.

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In fact, at a 4% withdrawal rate, at the end of 35 years the investor would have had almost seven times his initial portfolio value (in nominal terms), and at a 5% withdrawal rate he would have had more than three times his portfolio value.

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The five distinct lines in the graph represent the growth of portfolio wealth at the different withdrawal rates we analyzed.

FORBES: What Portfolio Withdrawal Rate Can You Live With?