Mare, Eben2016-05-062016-05-062016-01Maré E. Safe spending rates for South African retirees. S Afr J Sci. 2016;112(1/2), Art. #a0138, 4 pages. http://dx.DOI. org/10.17159/sajs.2016/a0138.0038-2353 (print)1996-7489 (online)10.17159/sajs.2016/a0138http://hdl.handle.net/2263/52527Retirees face a difficult financial choice. They need to decide on an appropriate amount to withdraw from their retirement investment and they need to ‘optimise’ between outliving their money and living below their means. In the USA, financial advisors frequently advocate a ‘safe’ 4% withdrawal (or spending) rate. We examine spending rates for retirees in a South African setting.en© 2016. The Author(s). Published under a Creative Commons Attribution Licence.RetirementAsset allocationWithdrawalSpendingPortfolio success rateArticle