The numbers
The 4% rule, and why 3.5% is safer for Swiss early retirees
The 4% rule comes from US data over 30 years. Early retirees need longer horizons, so 3.5% is the safer start. What the rule says and what it does not.
Topic · 3 articles
The numbers
How much you need and how fast you get there.
The numbers
Savings rate: the number that sets how soon you are free
Your savings rate, not your salary, decides how many years you need. A table from 10% to 80% shows 66 years at the low end and 6 at the high end.
The numbers
Your FIRE number: how much is enough in Switzerland?
Multiply yearly spending by 25 to 30 for a first answer, then adjust for AHV, pension fund and Pillar 3a. A table in francs and the Swiss twist.