The maximum annual withdrawal from a retirement corpus as a percentage that will not deplete the corpus over 30 years. The "4% rule" from US Trinity Study (1998): withdraw 4% in year 1, adjust for inflation each year. For India with higher inflation: 3–3.5% is more conservative.
What is Safe Withdrawal Rate (SWR)?
The maximum annual withdrawal from a retirement corpus as a percentage that will not deplete the corpus over 30 years. The "4% rule" from US Trinity Study (1998