[icedchai]

4% is what FIRE folks consider "safe" over long periods of time. It is based on the well-known Trinity study: https://en.wikipedia.org/wiki/Trinity_study

[Justin_K]

...but it's still worse than market averages.

[voisin]

I think it is 4% nominal, which leaves some excess returns to keep pace with inflation.

[doingmyting]

Yes, that's why it's considered the worst case and a safe bet to withdraw