*What can Indian retirees learn from history? Perhaps, not much.* Our research shows that safe withdrawal rates based on India’s historical data—though they may appear generous—could lead future retirees into a false sense of security. I walk through the data, trends in real returns, and simulation-based approaches in this *Mint* article. The conclusion is clear: a 4% withdrawal rate is too optimistic for India. A 3–3.5% range is more realistic. Read below 👇 https://www.livemint.com/money/personal-finance/why-historical-data-on-withdrawal-rate-misleads-indian-retirees-11748751509748.html Extended Version here - https://samasthiti.in/why-history-misleads-indian-retirees/