A recent paper has called into question the generally accepted rule that four percent is the amount you can safely withdraw from IRAs, 401(k) accounts, and retirement savings to generate reliable, ...

The “right” safe starting withdrawal rate is a moving target, depending on equity valuations, bond yields, prospects for inflation, and a retiree’s own life expectancy and asset allocation, among ...

For retirees who want to squeeze more from their portfolios, especially in early years, a dynamic retirement withdrawal strategy that varies cash flows based on portfolio performance may work better ...

Recent retirees haven’t had an easy time of it lately. When stock and bond prices both plummeted in 2022, many retirees saw big dents in their portfolio values; a typical portfolio made up of 50% ...

This post may contain links from our sponsors and affiliates, and Flywheel Publishing may receive compensation for actions taken through them. Most retirees are familiar with fixed withdrawal rate ...

How much should you really be spending in retirement? For years, the "4% Rule" has been the gold standard. However, a 2025 study by research fellows David Blanchett and Michael Finke, "Retirees Spend ...

A popular rule in retirement planning isn't reliable, a new paper indicates — and even the rule's originator says it's oversimplified. Processing Content The 4% rule says that if a retiree withdraws 4 ...

Today’s low interest rate environment can take a bite out of what would normally be a sustainable withdrawal rate in retirement, Morningstar said. Most tools that calculate sustainable withdrawal ...

Peter Gratton, Ph.D., is a New Orleans-based editor and professor with over 20 years of experience in investing, economics, and public policy. Peter began covering markets at Multex (Reuters) and has ...

The withdrawal rate refers to the percentage of a retiree's investment portfolio that is withdrawn annually for living expenses during retirement. This rate is crucial in retirement planning, as it ...

Morningstar has raised its recommended retirement withdrawal rate closer to the 4% rule of thumb in an era of low equity valuations and higher bond yields. In its research, The State of Retirement ...