A popular retirement strategy known as the 4% rule may need some recalibration for 2025 based on market conditions, according to new research. The 4% rule helps retirees determine how much money they ...

If you're spending time and energy on your retirement savings, that time and energy largely revolves around how to make those savings grow. "How much should I save?" "What accounts should I use to ...

The 4% Rule is arguably the most famous strategy for making sure your retirement income lasts long. Developed in the 1990s, it offers an evidence-based answer to most retirees’ question: “How much can ...

After decades of hard work, retirement should be a time to enjoy the fruits of your labor. But figuring out how to make your retirement funds last, especially in an uncertain or volatile economy, is ...

Retirees, planners, and advisors alike have all used the 4% rule for decades now. Since its discovery in the 1990s, the 4% rule is very straightforward: You withdraw 4% of your savings in the initial ...

Since the mid-1990s, the 4% rule has been a gold standard in retirement planning. Its simplicity is the key to its appeal because it helps answer a challenging and complex question: How much can you ...

Retirement spending strategies are rarely one-size-fits-all. The well-known 4% withdrawal rule - suggesting retirees withdraw 4% of their savings in the first year and adjust for inflation — was ...

Some experts recommend the “guardrails” approach.

William Bengen now says a withdrawal rate of 4.7% may be more appropriate. Retirees who can cut back a little during rough market years tend to do better than those who consistently withdraw the same ...

The 4% rule was developed in the 1990s by financial advisor William Bengen. According to Bengen, people could withdraw 4% of their retirement savings in their first year and then adjust annual ...

The 4% rule states that you should withdraw 4% of your savings in your first year of retirement and then adjust for inflation each year after that. The guardrail approach gives retirees an upper and ...