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How should you withdraw money after early retirement? Expert explains the 3-bucket strategy for your FIRE corpus
Mint 1 hr ago·18 Oct 2026, 6:08 pm
The three‑bucket plan suggests dividing a FIRE portfolio into cash for immediate spending, a moderate‑risk mix for medium‑term needs, and a growth‑focused allocation for long‑term goals.
Using the safe bucket first means retirees can avoid selling equities when markets are down, helping to preserve growth potential and smooth cash flow. Aligning risk with the timing of expenses reduces the impact of volatility on the overall nest egg.
Going forward, watch how interest‑rate shifts affect the cash bucket, how the balanced portion performs as retirement horizons shorten, and any tax‑law changes that could alter withdrawal sequencing. Periodic rebalancing may be required to keep the buckets aligned with personal needs.
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