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📌 NISM Exam Anchor: Safe Withdrawal Rates & FIRE
Bengen 4% Rule: Assumes 30-year horizon with 50/50 allocation. In India with higher inflation (~6-7%), real SWR is 2.5% – 3.5% (requiring 30x–40x annual expenses). Guyton-Klinger Guardrails: dynamic spending cuts prevent premature ruin during severe market crashes.
Educational tool only — not investment advice. All figures here are illustrative projections based on the assumptions you enter, not a guarantee or recommendation. Past market performance does not indicate future results, and this tool does not recommend, endorse, or imply you should buy any specific fund, scheme, or financial product. For advice tailored to your situation, please consult a SEBI-registered investment adviser. Historical market data used here is cross-checked against publicly available NSE India and Investing.com figures, but inaccuracies can still creep in inadvertently — treat all results as illustrative, not a precise record of market history.