@ElMago I was pointing out dividends because they are an important part of your return and are also quite higher on the Swiss stock in comparison to U.S or E.M
It seems that dividends are included:
"When you talk about taking a 4% withdrawal from your portfolio, are dividends included in that 4%? My average dividends (not reinvested) are 2%. Does that mean it would be safe to withdraw 6% including dividends?
A: When academics are trying to figure out just how much income retirees can extract from their savings, they commonly look at what is known as the “total return” of a given investment. The total return includes dividends paid on stocks and coupon payments for bonds."
@ have a look at this calculator https://portfoliocharts.com/portfolio/retirement-spending/
There are few ways to withdraw your money:
Constant $
Baseline %
Constant %
VPW (Variable Percentage Withdrawal)
@nugget https://portfoliocharts.com/portfolio/withdrawal-rates/ gives you a safe withdrawal rate (at the end of the period your capital is 0) and a perpetual rate (your initial capital is never used)