The annualized returns for the past decade (which includes the 2nd worst recession in American history) in the S&P500 was 6.95%. I'm not sure where you're getting this 2.5% figure?
And given this 2.5% figure, how can you suddenly withdraw MORE money than 4%? If you can't earn 4% reliably, withdrawing over 4% puts you at risk of running out of money unless you know at what age you will die (unlikely).
And given this 2.5% figure, how can you suddenly withdraw MORE money than 4%? If you can't earn 4% reliably, withdrawing over 4% puts you at risk of running out of money unless you know at what age you will die (unlikely).