{"id":203312,"date":"2025-04-24T19:54:30","date_gmt":"2025-04-24T19:54:30","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/retirement-numbers-and-rules\/"},"modified":"2025-04-24T19:54:30","modified_gmt":"2025-04-24T19:54:30","slug":"retirement-numbers-and-rules","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=203312","title":{"rendered":"Retirement Numbers and Rules"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div itemprop=\"articleBody\">\n<h2><strong>Retirement Numbers and Rules<\/strong><\/h2>\n<p>Professionals from all walks of life and sectors have a knack for making the simple, <em>extremely complex.<\/em> Same goes for the financial industry. In the spirit of keeping things simple, I have updated some back-of-the-napkin examples about retirement numbers and rules to consider. These are good starting points for your retirement income planning journey but at the end of the day, when you need real math done, please consider a retirement income plan beyond these rules of thumb. I\u2019ll link to my low-cost support at the end.\u00a0<\/p>\n<p><em>How much do you need to retire?\u00a0<\/em><\/p>\n<p>\u201cIt depends\u201d is usually my answer.<\/p>\n<p>Here are some updated retirement numbers and rules to consider answering that question.<\/p>\n<h3><strong>Retirement Rule #1 \u2013 Rule of 20.<\/strong><\/h3>\n<ul>\n<li>The premise: for every $20 saved you can live off $1 in retirement.<\/li>\n<\/ul>\n<p>Examples:<\/p>\n<ul>\n<li>On your retirement date: $300,000 saved and you can likely live off $15,000.<\/li>\n<li>On your retirement date: $500,000 saved and you can likely live off $25,000.<\/li>\n<li>On your retirement date: $1 million saved and you can likely live off $50,000.<\/li>\n<\/ul>\n<p>This assumes your retirement date is in your early 60s, whereby you will also have government benefits flowing in soon too (e.g., Canada Pension Plan (CPP) and\/or Old Age Security (OAS)).<\/p>\n<p><strong>Therefore, a 5% withdrawal rate with a $1 million portfolio is not an unreasonable withdrawal rate in your 60s, moving higher over time with inflation.\u00a0<\/strong><\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"it8bYaYdTd\">\n<p><a href=\"https:\/\/www.myownadvisor.ca\/can-i-retire-with-1-million-in-our-rrsps\/\">Can I retire with $1 million in our RRSPs?<\/a><\/p>\n<\/blockquote>\n<p><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cCan I retire with $1 million in our RRSPs?\u201d \u2014 My Own Advisor\" data-src=\"https:\/\/www.myownadvisor.ca\/can-i-retire-with-1-million-in-our-rrsps\/embed\/#?secret=7DzJvQfLkp#?secret=it8bYaYdTd\" data-secret=\"it8bYaYdTd\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>This rule makes <em>some sense<\/em> <a href=\"https:\/\/www.myownadvisor.ca\/why-the-4-rule-is-actually-still-a-decent-rule-of-thumb\/\" target=\"_blank\" rel=\"noopener\">since you may recall the 4% safe withdrawal rate is still a decent starting point and more conservative<\/a> at any earlier retirement age to ensure you don\u2019t run out of money for the coming 30 years\u2026<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"B6gkwzJQfA\">\n<p><a href=\"https:\/\/www.myownadvisor.ca\/why-the-4-rule-is-actually-still-a-decent-rule-of-thumb\/\">Why the 4% rule is actually (still) a decent rule of thumb<\/a><\/p>\n<\/blockquote>\n<p><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cWhy the 4% rule is actually (still) a decent rule of thumb\u201d \u2014 My Own Advisor\" data-src=\"https:\/\/www.myownadvisor.ca\/why-the-4-rule-is-actually-still-a-decent-rule-of-thumb\/embed\/#?secret=8WyEV5liVa#?secret=B6gkwzJQfA\" data-secret=\"B6gkwzJQfA\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>In fact, if you retire in your 60s, just following the 4% rule starting that could deliver years of underspending.\u00a0<\/p>\n<p>From the post:<\/p>\n<p><strong>So, 50% of the time (market returns willing) you will finish with\u00a0<em>almost<\/em>\u00a0X3 wealth\u00a0<em>on top of a lifetime of spending\u00a0<\/em>using the 4% rule.<\/strong><\/p>\n<blockquote>\n<p><em>\u201c\u2026the reality remains that by withdrawing at \u201conly\u201d a 4% initial withdrawal rate, the overwhelming majority of the time retirees just finish with a massive\u00a0excess amount of assets left over!\u201d<\/em><\/p>\n<\/blockquote>\n<p data-slot-rendered-content=\"true\"><a href=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2020\/06\/4-rule-Kitces.png\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-18340 size-full lazyloaded lazyload\" src=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2020\/06\/4-rule-Kitces.png\" alt=\"4% rule Kitces\" width=\"578\" height=\"350\"\/><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-18340 size-full lazyloaded lazyload\" alt=\"4% rule Kitces\" width=\"578\" height=\"350\" src=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2020\/06\/4-rule-Kitces.png\" srcset=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2020\/06\/4-rule-Kitces.png 578w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2020\/06\/4-rule-Kitces-300x182.png 300w\" sizes=\"auto, (max-width: 578px) 100vw, 578px\"\/><\/a><\/p>\n<div class=\"mv-ad-box\" data-slotid=\"content_3_btf\">\n<div class=\"mv-rail-frame-250\" data-slotid=\"content_3_btf\">\n<div class=\"mv-rail-slide-250 mv-inview-sticky\" data-slotid=\"content_3_btf\">\n<div class=\"mv-rail-sticky-250 mv-inview-sticky\" data-slotid=\"content_3_btf\">\n<p><strong>Retirement Rule #2 \u2013 Rule of 25.<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<ul>\n<li>The premise: take your anticipated retirement expenses (after-tax) and multiply this amount by 25 for your \u201cretirement number\u201d.<\/li>\n<\/ul>\n<p>Example:<\/p>\n<ul>\n<li>I figure we could need $72,000 per year after-tax for our retirement spending with 3% sustained inflation starting in 2025 or 2026 when any part-time work is done.\u00a0<\/li>\n<li>That means our \u201cretirement number\u201d is $1.8 million invested.\u00a0<\/li>\n<\/ul>\n<p>As someone who is a bit worried about having \u201cenough\u201d this rule could make sense but says nothing about variable spending needs.<\/p>\n<p><em><strong>A better approach,<\/strong><\/em> is likely following some sort of Variable Percentage Withdrawal (VPW) method.<\/p>\n<p><a href=\"https:\/\/www.myownadvisor.ca\/the-benefits-of-variable-percentage-withdrawals-vpw\/\" target=\"_blank\" rel=\"noopener\">I have a link below to some free VPW calculator tools in this post:<\/a><\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"GbbctEi3f5\">\n<p><a href=\"https:\/\/www.myownadvisor.ca\/the-benefits-of-variable-percentage-withdrawals-vpw\/\">The benefits of Variable Percentage Withdrawals (VPW)<\/a><\/p>\n<\/blockquote>\n<p><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cThe benefits of Variable Percentage Withdrawals (VPW)\u201d \u2014 My Own Advisor\" data-src=\"https:\/\/www.myownadvisor.ca\/the-benefits-of-variable-percentage-withdrawals-vpw\/embed\/#?secret=a6Si3LxazO#?secret=GbbctEi3f5\" data-secret=\"GbbctEi3f5\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<h3><strong>Retirement Rule #3 \u2013 Replace 50-70% of your income during retirement.<\/strong><\/h3>\n<ul>\n<li>The premise: take your 50-70% of your current full-time income and that\u2019s what you\u2019ll need in retirement. The thinking here is in retirement, some key expenses are gone: raising a family and\/or paying your mortgage and\/or saving for retirement since you\u2019re in retirement.\u00a0<\/li>\n<\/ul>\n<p>Example:<\/p>\n<ul>\n<li>Let\u2019s again use our desired <strong>$72,000 per year after-tax<\/strong> spending as our target, so pre-tax, while working, we are earning more than that today to cover our lifestyle needs.\u00a0<\/li>\n<\/ul>\n<p>The challenge I have with this rule is there is no accounting for inflation nor those dynamic spending needs I referenced above.<\/p>\n<p>This rule assumes <em>some<\/em> spending today, ends in retirement: no mortgage, no saving for retirement but it is flawed in that it does not account for other expenses that may appear as a result: more travel, higher healthcare\/aging costs.\u00a0<\/p>\n<p>I\u2019ve included some of those considerations and more in our <a href=\"https:\/\/www.myownadvisor.ca\/financial-independence-budget\/\" target=\"_blank\" rel=\"noopener\">own Financial Independence Budget<\/a> since I use a pretty robust inflation factor and conservative rate of return given we are close to 90% stocks and 10% fixed income\/cash equivalents at the time of this update.\u00a0<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"iq5c3g0BZM\">\n<p><a href=\"https:\/\/www.myownadvisor.ca\/financial-independence-budget\/\">Financial Independence Budget<\/a><\/p>\n<\/blockquote>\n<p><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cFinancial Independence Budget\u201d \u2014 My Own Advisor\" data-src=\"https:\/\/www.myownadvisor.ca\/financial-independence-budget\/embed\/#?secret=BnWVa5rAfm#?secret=iq5c3g0BZM\" data-secret=\"iq5c3g0BZM\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<h3><strong>Retirement Numbers and Rules Summary<\/strong><\/h3>\n<p>These are interesting rules of thumb but the most important work when it comes to determining your retirement number is <strong><a href=\"https:\/\/www.myownadvisor.ca\/consider-what-you-spend-for-your-enough-number\/\" target=\"_blank\" rel=\"noopener\">figuring out what you\u2019ll spend in retirement, and when<\/a>.\u00a0\u00a0<\/strong><\/p>\n<p><em>Life can and does change.<\/em><\/p>\n<p><a href=\"https:\/\/www.myownadvisor.ca\/your-free-playbook-to-retirement-income-planning\/\" target=\"_blank\" rel=\"noopener\"><strong>So, consider my free playbook to guide your decision-making.<\/strong><\/a><\/p>\n<p>No course fee or newsletter to pay for below!<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"Z2qrmC1MCD\">\n<p><a href=\"https:\/\/www.myownadvisor.ca\/your-free-playbook-to-retirement-income-planning\/\">Your Free Playbook to Retirement Income Planning<\/a><\/p>\n<\/blockquote>\n<p><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cYour Free Playbook to Retirement Income Planning\u201d \u2014 My Own Advisor\" data-src=\"https:\/\/www.myownadvisor.ca\/your-free-playbook-to-retirement-income-planning\/embed\/#?secret=asPC1wq3LZ#?secret=Z2qrmC1MCD\" data-secret=\"Z2qrmC1MCD\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>Without estimating your annual retirement expenditures and then revisiting those income assumptions year-after-year, I believe you can throw most retirement numbers and rules out the window \u2013 although these are decent starting points.\u00a0<\/p>\n<p>We have determined our financial independence budget that will begin later this year (2025) or early next year (2026). You will certainly need to determine yours too and I am happy to help anytime.\u00a0<\/p>\n<p><em>Any retirees out there want to comment? What rules of thumb did you start with to estimate your \u201cretirement number\u201d?\u00a0\u00a0<\/em><\/p>\n<p>Mark<\/p>\n<h3><strong>Want to your own low-cost retirement income projection?<\/strong><\/h3>\n<p>Just reach out! I offer discounts when you do as a\u00a0<em>My Own Advisor <\/em>reader for services that cost literally <em><strong>thousands of dollars less<\/strong><\/em> than the alternatives.<\/p>\n<p>I am happy to offer discounts to DIY investors, by a DIY investor \u2013 anytime. \ud83d\ude42<\/p>\n<p>Check out my work along with my partner Joe at\u00a0<em><a href=\"https:\/\/www.cashflowsandportfolios.com\/\" target=\"_blank\" rel=\"noopener\"><strong>Cashflows &amp; Portfolios.<\/strong><\/a><\/em><\/p>\n<p><a href=\"https:\/\/www.cashflowsandportfolios.com\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"lazyloaded aligncenter wp-image-19556 size-large ls-is-cached lazyload\" title=\"Cashflows &amp; Portfolios \" src=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2021\/01\/Cashflows-Portfolios-600x132.jpg\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" srcset=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2021\/01\/Cashflows-Portfolios-600x132.jpg 600w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2021\/01\/Cashflows-Portfolios-300x66.jpg 300w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2021\/01\/Cashflows-Portfolios-768x169.jpg 768w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2021\/01\/Cashflows-Portfolios.jpg 1215w\" alt=\"Cashflows &amp; Portfolios\" width=\"600\" height=\"132\"\/><img loading=\"lazy\" decoding=\"async\" class=\"lazyloaded aligncenter wp-image-19556 size-large ls-is-cached lazyload\" title=\"Cashflows &amp; Portfolios \" sizes=\"auto, (max-width: 600px) 100vw, 600px\" srcset=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2021\/01\/Cashflows-Portfolios-600x132.jpg 600w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2021\/01\/Cashflows-Portfolios-300x66.jpg 300w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2021\/01\/Cashflows-Portfolios-768x169.jpg 768w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2021\/01\/Cashflows-Portfolios.jpg 1215w\" alt=\"Cashflows &amp; Portfolios\" width=\"600\" height=\"132\" src=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2021\/01\/Cashflows-Portfolios-600x132.jpg\"\/><\/a><\/p>\n<p data-slot-rendered-content=\"true\">My partner and I have been using various retirement projection tools over the years for our personal retirement income journeys and now we\u2019re using these tools to help readers, DIY investors like you, with your personal retirement projections. We will answer your key retirement income planning questions like:<\/p>\n<p>\u00a0<\/p>\n<ul>\n<li><em>Do you have enough to retire with your current lifestyle\/spending?<\/em><\/li>\n<li><em>What will be your estate value based on your spending plans?<\/em><\/li>\n<li><em>Amongst your pension(s) or RRSPs or TFSAs or your taxable accounts, what accounts should you tap first to smooth out taxation impacts over time?<\/em><\/li>\n<li><em>Should you take CPP or OAS at age 65 or 70?<\/em><\/li>\n<li><em>And more!<\/em><\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.cashflowsandportfolios.com\/\" target=\"_blank\" rel=\"noopener\"><strong>Again, contact us\u00a0<em>anytime<\/em>\u00a0to learn more and get started.<\/strong><\/a><\/p>\n<p>Other popular case studies:<\/p>\n<p><a href=\"https:\/\/www.myownadvisor.ca\/how-much-do-you-need-to-retire-on-5000-per-month\/\" target=\"_blank\" rel=\"noopener\"><strong>How much do you need to retire on $5,000 per month?<\/strong><\/a><\/p>\n<p><a href=\"https:\/\/www.myownadvisor.ca\/how-much-do-you-need-to-retire-on-6000-per-month\/\" target=\"_blank\" rel=\"noopener\"><strong>What you need to retire on $6,000 per month?<\/strong><\/a><\/p>\n<p>Mark<\/p>\n<div id=\"author-bio-box\" style=\"background: #f8f8f8; border-top: 2px solid #cccccc; border-bottom: 2px solid #cccccc; color: #333333\">\n<h3><a style=\"color: #555555;\" href=\"https:\/\/www.myownadvisor.ca\/author\/moa\/\" title=\"All posts by Mark\" rel=\"author\">Mark<\/a><\/h3>\n<div class=\"bio-gravatar\"><img loading=\"lazy\" decoding=\"async\" alt=\"\" src=\"https:\/\/secure.gravatar.com\/avatar\/433b98c17a53e61640e7cbe126c4c1b903db2fdebac178771d21126a731d8c24?s=70&amp;d=wavatar&amp;r=g\" srcset=\"https:\/\/secure.gravatar.com\/avatar\/433b98c17a53e61640e7cbe126c4c1b903db2fdebac178771d21126a731d8c24?s=140&amp;d=wavatar&amp;r=g 2x\" class=\"avatar avatar-70 photo\" height=\"70\" width=\"70\" itemprop=\"image\"\/><\/div>\n<p><a target=\"_blank\" rel=\"nofollow noopener noreferrer\" href=\"https:\/\/twitter.com\/myownadvisor\" class=\"bio-icon bio-icon-twitter\"\/><\/p>\n<p class=\"bio-description\">My name is Mark Seed &#8211; the founder, editor and owner of My Own Advisor. As my own DIY financial advisor, I&#8217;ve reached financial independence. Now, I share my lessons learned for free on this site. Find out what I did and how I reached financial independence to tailor your own path. Join the newsletter read by thousands.<\/p>\n<\/div>\n<\/div>\n<p><script async src=\"\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><br \/>\n<br \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Retirement Numbers and Rules Professionals from all walks of life and sectors have a knack for making the simple, extremely complex. Same goes for the financial industry. In the spirit of keeping things simple, I have updated some back-of-the-napkin examples about retirement numbers and rules to consider. These are good starting points for your retirement [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":203313,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[6945,11077,11149],"dealstore":[],"offerexpiration":[],"class_list":["post-203312","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-numbers","tag-retirement","tag-rules"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Retirement Numbers and Rules - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=203312\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retirement Numbers and Rules - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Retirement Numbers and Rules Professionals from all walks of life and sectors have a knack for making the simple, extremely complex. 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