The goal for investors supporting retirement living through portfolio withdrawals is to achieve a spending rate that neither falls short over time nor results in a constrained quality of life along the way. As all investments contain some type of risk, achieving a specific spending rate is not 100% certain. An 80% probability of success is considered a safe harbor for balancing these outcomes. Expected levels of returns and risks are important determinants of this probability. At this time, it seems appropriate to set returns somewhat below long-term levels while maintaining risks at historical levels. A review of current tradeoffs can provide perspective for spending rates ahead.