The old "safe" withdrawal rate is either too risky or too conservative. It is time to embrace a strategy that breathes with ...

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 ...

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 ...

Forbes contributors publish independent expert analyses and insights. Steve Vernon, FSA, helps retirees make their money last for life. How much should you withdraw from your retirement savings in ...

The 4% withdrawal rule, ensuring portfolio longevity through market fluctuations, remains safer than an 8% rate, which risks depletion in a 2025 bear market. Dynamic withdrawal strategies and ...

“But what about my RMDs?” That’s the question I’ve heard the most frequently in the context of our research on safe withdrawal rates. For retirees seeking to take a fixed real withdrawal from their ...

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 ...

This article draws heavily on Bill Bengen’s new groundbreaking safe withdrawal rate research and references his latest updates. Bill was kind enough to review the article and his insights are included ...

New retirees hoping to make their investment portfolio last 30 years can safely begin their retirement this year with an initial withdrawal of 3.7% of their portfolio, according to Morningstar. The ...

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 ...

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.

Latest research shows flexible withdrawal strategies could boost your starting rate.