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 ...

Bigger safe withdrawals: A $2,400 monthly pension can lift safe withdrawal rates by 0.5–1.0 percentage points over the 3.9% baseline. COLA makes a difference: Pensions with cost-of-living adjustments ...

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 ...

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 ...

For years, experts have recommended the 4% rule for managing retirement plan withdrawals. This guidance has you withdrawing 4% of your IRA or 401(k) balance your first year of retirement, and then ...

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 ...