Key Takeaways Recent research shows that married retirees withdraw about 2.1% of their savings annually, while spending 80% of their guaranteed income, like Social Security.Morningstar's latest ...

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 ...

Turning 65 used to mean a hard stop at work and a simple rule of thumb for tapping savings. Today, retirements stretch longer ...

Retirees, brace yourselves: The golden rule of retirement withdrawals just got a cold dose of reality. A new report from Morningstar recommends the safe withdrawal rate for retirees in 2025 is a mere ...

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 ...

The most talked-about retirement rule of thumb just got a serious update. Bill Bengen, the financial planner who popularized the now-legendary "4% rule," has revisited his calculations. His latest ...

Early withdrawals can shrink your 401(k) savings. See how to calculate the IRS 10% penalty, and learn about exceptions, SECURE 2.0 updates, and penalty‑free alternatives.

The creator of the 30-year-old rule has bumped up his recommendation after a new analysis. Rangely García for Money William Bengen’s popular retirement withdrawal rate just got a raise — it’s now 4.7% ...

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 ...

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The conventional method for evaluating safe withdrawal rates assumes that retirees maintain a stable standard of living through retirement in real (inflation-adjusted) dollars. While there’s nothing ...