Jul 25, 2025 · The 4% rule is a retirement guideline suggesting you can withdraw 4% of your retirement savings in the first year, then adjust for inflation annually, ideally lasting for 30 years.

5 days ago · Does the 4% rule still work for retirement savings withdrawals? Some financial experts say to add the "guardrails strategy" to your plan.

Sep 1, 2025 · The 4% rule says you should plan to spend 4% of your savings in the first year of retirement, and spend the same amount, adjusted for inflation, every year after that.

2 days ago · The 4% Rule explained: Retirees can start with 4% of savings for year-one withdrawals. Adjust for inflation yearly. $1M portfolio? Thats $40,000 first year. Historical data shows 30-year …

What Is the 4% Rule? Is it the best approach withdrawing from your retirement accounts? The 4% rule allows 4% withdrawal of retirement savings initially, adjusting for inflation...

Jun 26, 2025 · In the early 1990s, financial planner William Bengen developed an idea that took hold in retirement planning. His approach, which became known as the 4% rule, evolved into a strategy for...

May 14, 2025 · The 4% rule is a strategy that aims to help you avoid running out of money in retirement by withdrawing 4% of your savings in the first year, then adjusting that amount annually for inflation.

Oct 31, 2025 · In your first year of retirement, you can withdraw 4% of your total balance or $100,000. That sets your baseline. The withdrawal amount increases with the inflation rate each year thereafter.

Jul 24, 2025 · In essence, the 4 percent withdrawal strategy suggests that retirees may be able to safely siphon off 4 percent of their investment portfolio for living expenses in their first year of retirement, …

4 days ago · For nearly three decades, the 4% rule has served as the North Star of retirement planning. Introduced by financial planner William Bengen in 1994, the guideline stated that a retiree could …