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 ...

Morningstar‘s new safe retirement withdrawal rate is 3.7% Estimate is based on forward-looking market return assumptions High stock valuations and lower bond yields influenced the reduction Goal is to ...

I wrote last week about a recent article in Forbes (What Is the Sustainable Spending Rate for Retirees in 2016?) by Wade Pfau that adopts my suggestion (from 14 years ago) that a valuation adjustment ...

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 ...

If you are actively spending from your portfolio and that portfolio has losses, that leaves less in place in the portfolio to recover and rebound when the market eventually does. Your plan will be ...

The 4% rule for calculating portfolio withdrawals has been a tool advisors use to help clients plan for retirement since its inception in the 1990s. In that time, it's become perhaps the most ...