Not a rule of thumb. Your personalised retirement number based on your spending, country, age, and investment strategy — calculated across 1,000,000 Monte Carlo scenarios.
The 25x rule says you need 25 times your annual spending. This comes from the 4% safe withdrawal rate — the maximum you can take from a diversified portfolio each year without depleting it over 30 years.
But 25x is a generic starting point. Your actual number depends on: your retirement age, your country's tax rates and market returns, your risk tolerance, and whether you'll receive any pension income.
Retiring at 40 requires a 50-60 year portfolio. At a 3% safe withdrawal rate, you need 33× spending — not 25×. That's $1.65M instead of $1.25M for a $50k/year lifestyle.
High-tax countries like Germany (38%) or Denmark mean your investments compound slower after tax. A UAE resident (0% tax) needs significantly less than a German resident at the same spending level.
A conservative bond portfolio might achieve 4% real returns. An aggressive equity portfolio 10%. The difference in required savings can be hundreds of thousands of dollars.
High inflation decades like the 1970s destroyed retirement plans. Monte Carlo simulation stress-tests your number against inflation scenarios your planning tool ignores.
Stop using generic rules of thumb. Get your personalised retirement number based on your country, spending, age, and investment strategy — across 1,000,000 simulated futures.
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