Indexfonds Pro Guide • 15 min

Tax-Optimized Withdrawal: The 4% Rule

IF
Indexfonds Team
Last Updated: 25.05.2026

The Retirement Challenge

Accumulating wealth is phase one; spending it sustainably is phase two.

The 4% Rule

Based on the Trinity Study, an annual withdrawal of 4% of your initial portfolio (adjusted for inflation) has historically lasted for 30+ years in most market environments.

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About this Guide
  • Level: Strategy & Psychology
  • Format: Technical Analysis
  • Readers: Verified Content
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