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 ...

Morningstar has recalculated its annual safe withdrawal rate that current retirees would need if they want their portfolios to last 30 years. The number is now back in line where many other academics ...

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 ...

Explore the Safe Withdrawal Rate, including its definition, factors, and alternatives. Discover the role of financial ...

Many retirees use the 4% rule to plan for their retirement spending. The 4% rule, based on a study by Bill Bengen, suggests you can safely withdraw 4% of your starting portfolio value for 30 years ...

Is the idea of the “safe” withdrawal rate nothing more than the Tooth Fairy of the retirement planning industry – mere fiction? Some financial experts are calling the methods used to calculate safe ...

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 ...

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 ...