Is the 4% Rule Safe? K-Dense Web Stress-Tests 155 Years of US Retirement Outcomes
K-Dense Web simulated every 30-year US retirement since 1871. The 4% rule failed 3% of the time, and more realistic assumptions pushed that rate higher.
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Author
AI Engineer, K-Dense
Yuhuan He is an AI engineer at K-Dense and a co-author of the K-Bench benchmark. The posts here walk through real K-Dense Web sessions and the verification steps behind their results.
K-Dense Web simulated every 30-year US retirement since 1871. The 4% rule failed 3% of the time, and more realistic assumptions pushed that rate higher.
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