The old "safe" withdrawal rate is either too risky or too conservative. It is time to embrace a strategy that breathes with ...

Forbes contributors publish independent expert analyses and insights. Steve Vernon, FSA, helps retirees make their money last for life. How much should you withdraw from your retirement savings in ...

The “right” safe starting withdrawal rate is a moving target, depending on equity valuations, bond yields, prospects for inflation, and a retiree’s own life expectancy and asset allocation, among ...

The 4% withdrawal rule, ensuring portfolio longevity through market fluctuations, remains safer than an 8% rate, which risks depletion in a 2025 bear market. Dynamic withdrawal strategies and ...

The best retirement withdrawal method depends on what’s most important to you. That’s one of the conclusions from our recent annual study on safe withdrawal rates. Every spending method involves some ...

A popular rule in retirement planning isn't reliable, a new paper indicates — and even the rule's originator says it's oversimplified. Processing Content The 4% rule says that if a retiree withdraws 4 ...

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 analysis suggests ...

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 ...

Listen and subscribe to Decoding Retirement on Apple Podcasts, Spotify, or wherever you find your favorite podcasts. In 1994, Bill Bengen published groundbreaking research that reshaped the way ...

New retirees hoping to make their investment portfolio last 30 years can safely begin their retirement this year with an initial withdrawal of 3.7% of their portfolio, according to Morningstar. The ...

Peter Gratton, Ph.D., is a New Orleans-based editor and professor with over 20 years of experience in investing, economics, and public policy. Peter began covering markets at Multex (Reuters) and has ...