[throwaway2037]

LOL. Who is getting 5% risk free interest rate on USD? No one. I guess 1% after taxes is a more reasonable expected return. Remember that interest rates on retail deposits were pretty much zero for last 10 years. So, 20K USD per year. But if they can keep it up for next 5 years, then yeah, pretty much can retire on 1% interest rate forever.

[sb8244]

Getting 4% right now at a normal bank (no high rate shenanigans)

I bet I'll see 5% within next 2 months. Obviously interest rate changes drastically over time.

[xupybd]

https://www.rabobank.co.nz/term-deposits/ 5.50%P.A. here in NZ

[wongarsu]

Long term (~50 year) average stock market returns on reasonable indexes (like S&P500) is 10% per year.

The only real challenge is a portfolio mix and withdrawal strategy that minimizes the damage from withdrawing during downturns. That's where the 4% rule becomes relevant.