Learn why the traditional 4% rule may be outdated and strategies to help you maximize your retirement income.

Quick ReadBengen's 2025 research drops the safe withdrawal rate to 4.2% for a 50-year retirement, undercutting the standard 4% rule for anyone retiring at 55.Retiring at 55 forces a full decade of ...

One of the most pressing questions you’ll face when planning for retirement is how much you can safely withdraw from your nest egg each year. This percentage, known as a safe withdrawal rate, aims to ...

Margaret Giles: Hi, I’m Margaret Giles from Morningstar. Morningstar’s annual safe withdrawal rate research suggests that new retirees consider a 3.9% starting withdrawal if they’re looking for the ...

The classic 4% rule for retirement withdrawals was built for a bygone era. Learn why it's less reliable today and how to build a flexible spending plan that fits your life.

How do you envision retirement? Will it be a time of freedom, relaxation, and pursuing passions? Whatever your goals may be, ensuring a comfortable and secure lifestyle during your golden years ...

Morningstar research suggests that clients retiring in 2026 could start with a withdrawal rate of 3.9% and, adjusting for inflation, continue through a 30-year retirement without running out of money.

Retirement planning hinges on determining a sustainable withdrawal rate to ensure savings last a lifetime, but shifting market conditions in 2025 have sparked debate over the traditional 4% rule.

I wrote last week about a recent article in Forbes (What Is the Sustainable Spending Rate for Retirees in 2016?) by Wade Pfau that adopts my suggestion (from 14 years ago) that a valuation adjustment ...