Quick Read The 4% rule assumes a 30-year retirement horizon with a balanced stock-bond portfolio. Ramsey’s 8% rule requires a ...

Think of the "Best of Both Worlds" or total return retirement spending rule as the 4% rule on steroids — retirees live off ...

One way to mitigate this issue is to keep some portion of your portfolio in cash or short-term bonds to meet short-term needs ...

Finance expert Dave Ramsey has a lot of unconventional takes. For example, he believes that you don’t need to care about your ...

Although no one can reliably predict the future, spending time understanding how assumptions influence results is a solid ...

The 4% rule has you withdrawing 4% of your savings your first year of retirement, with future withdrawals adjusted for inflation. For the rule to work, certain factors need to be present. Research ...

Morningstar‘s new safe retirement withdrawal rate is 3.7% Estimate is based on forward-looking market return assumptions High stock valuations and lower bond yields influenced the reduction Goal is to ...

When times are tough and household budgets are under severe strain, taking cash out of your 401(k) plan can provide some relief. However, it’s best to be cautious, as there are specific rules related ...

If you were born before 1952 and have traditional investment plans, there are some important withdrawal requirements you need ...

Americans increasingly use 401(k)s as emergency funds, not retirement savings, exposing flaws in U.S. retirement policy and ...