Sequence-of-Returns Risk (SORR)
The risk that a market crash early in retirement depletes the portfolio even if the long-run average is fine. Defense: a 2-3 year cash buffer.
Safe Withdrawal Rate (SWR)
The annual percent you can withdraw in retirement with low depletion risk. The 4% rule is the classic; longer retirements use 3.25%-3.5%.
Category
Indices & Metrics
Hebrew
שיעור משיכה בטוח
English
Safe Withdrawal Rate (SWR)
Worked example: Example: a ₪1M portfolio at a 4% withdrawal rate = ₪40,000/yr (~₪3,300/mo), inflation-adjusted.
Tools that demonstrate this term
Related terms
FI Number
The capital that lets you live off portfolio returns permanently: annual spending ÷ withdrawal rate. ₪40,000/yr ÷ 4% = ₪1M.
All terms in this category
Sequence-of-Returns Risk (SORR)FI NumberSavings RateNet WorthDrawdownSharpe RatioMarket CapitalizationFee Drag
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