Guides tagged "safe-withdrawal-rate"
Currency Risk and Your FI Number as an Expat
A safe withdrawal rate assumes your portfolio and your spending share a currency — if part of your wealth is still in USD or GBP, an FX move can cut your Dutch spending power the same year the market falls.
5 min read
Why the Standard FIRE Calculator Overstates Your Number in the Netherlands
The 25x/4% rule assumes a tax-free stash. In the Netherlands, Box 3 wealth tax takes a bite every year — here's the worked math for what your real FI number looks like.
6 min read
Your Partial AOW Changes Your Safe Withdrawal Rate
State pension isn't a rounding error if you arrived as an adult — it changes both how much stash you need and when a pre-AOW bridge is required. Here's how to model both.
5 min read