Retirement planning hinges on determining a sustainable withdrawal rate to ensure savings last a lifetime, but shifting market conditions in 2025 have sparked debate over the traditional 4% rule.

If you’re approaching or already in retirement, knowing your safe withdrawal rate is key to making your money last. This is the percentage you can take out of your retirement savings each year without ...

How long will your retirement savings last? Nobody can say for sure. There are just too many moving variables to come up with an ironclad number. Indeed, much of the investment services industry ...

Thanks to higher equity valuations and lower bond yields, capital markets assumptions for the major asset classes have come down a little bit, so the safe withdrawal is lower this year. In our base ...

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 ...

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 ...

Recent research reveals retirees withdraw just 2.1% of their savings annually—about half the amount experts recommend. Here's ...

In our recent annual study on safe withdrawal rates, my colleagues Tao Guo, Jason Kephart, Christine Benz, and I estimated that retirees who want to maintain a consistent spending amount adjusted for ...

As there’s no way to predict investment returns, inflation rates or longevity, the fear of running out of money in retirement is a real concern for most seniors. To help alleviate this fear, financial ...