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

Key Takeaways The 4% rule started as a research-based guideline for a 30-year retirement, not a promise that your money will last no matter what.​Longer retirements, lower expected returns, and rising ...

Three decades ago, financial adviser Bill Bengen created a retirement principle called the 4% rule. It went viral. Now, the rule is getting an update. The 4% rule says you should plan to spend 4% of ...

A lot of people reach retirement age without much money in savings. But if you worked hard and saved well, you may be in a ...

The 4% rule of retirement puts you on an austere budget in your leisure years. Even if you save a million dollars, the 4% formula allows you to spend only $40,000 of your money in the first year. But ...

No matter where you go online, there is a better-than-good chance that you will see the 4% rule come up around the idea of ...

The 4% rule assumes a 50/50 stock-bond split and high bond interest rates that may not match current market conditions. The rule is designed for a 30-year retirement period. It becomes too aggressive ...

Forbes contributors publish independent expert analyses and insights. I write about building wealth and achieving financial freedom. Mar 30, 2024, 11:21am EDT Mar 30, 2024, 11:22am EDT One of the most ...

Three decades ago, financial adviser Bill Bengen created a retirement principle called the 4% rule. It went viral. Now, the rule is getting an update, which may be of particular interest in ...

The 4% rule has been THE rule for retirement spending for decades. According to David Blanchett, managing director and head of retirement research at PGIM DC Solutions, 61% of financial advisors use ...

The 4% rule is a strategy designed to help your retirement nest egg last. It has you withdrawing 4% of your savings your first year of retirement and adjusting future withdrawals for inflation. The 4% ...

For the past three decades, retirees have been encouraged to apply the 4% rule. The retirement spending strategy involves living during your first year of retirement on 4% of the money you have ...