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2. How Is the Rule of 85 Applied to Retirement? - AOL

   www.aol.com/finance/rule-85-applied-retirement...

   In place of a 401(k) plan, your employer may offer a defined benefit pension plan for retirement savings. These plans follow different guidelines for withdrawals, including the rule of 85, which ...

3. William Bengen - Wikipedia

   en.wikipedia.org/wiki/William_Bengen

   William P. Bengen is a retired financial adviser who first articulated the 4% withdrawal rate ("Four percent rule") as a rule of thumb for withdrawal rates from retirement savings; [1] it is eponymously known as the "Bengen rule". [2] The rule was later further popularized by the Trinity study (1998

4. The rule of 25 for retirement: What it means and how to ... - AOL

   www.aol.com/finance/rule-25-retirement-means...

   The rule of 25 is just a different way to look at another popular retirement rule, the 4% rule. It flips the equation (100/4% = 25) to emphasize a different part of the retirement planning process ...

5. Is it time to rethink the 4% retirement withdrawal rule ... - AOL

   www.aol.com/news/time-rethink-4-retirement...

   The 4% withdrawal rule calls for retirees to withdraw that portion from their investment portfolio in the first year of retirement. In each subsequent year, the amount of those withdrawals is ...

6. Required minimum distribution - Wikipedia

   en.wikipedia.org/wiki/Required_minimum_distribution

   Although the rules require RMDs to begin by April 1 of the year after the individual reaches age 72, [a] participants in an employer-sponsored plan can usually wait until April 1 of the year after retirement (if later than age 72 [a]) to begin distributions unless the individual owns 5% or more of the employer who is sponsoring the plan.

7. Windfall Elimination Provision - Wikipedia

   en.wikipedia.org/wiki/Windfall_Elimination_Provision

   1. Calculate the Average Indexed Monthly Earnings (AIME). 2. Choose the percentage of the first bend-point to be the higher of the percentage based on the eligibility year or the percentage based on the YOCs acquired. 3. Calculate the PIA based on this, rounding down to the nearest dime. 4.

8. Morningstar Gives the 4% Rule a Thumbs Up - Can You ... - AOL

   www.aol.com/4-rule-retirement-withdrawals-might...

   Created in 1994 by a financial planner named William Bengen, the 4% rule posits that retirees can make a well-structured retirement fund last 30 years by withdrawing no more than 4% of the balance ...

9. Retirement spend-down - Wikipedia

   en.wikipedia.org/wiki/Retirement_spend-down

   A 4% withdrawal rate survived most 30 year periods. The higher the stock allocation the higher rate of success. A portfolio of 75% stocks is more volatile but had higher maximum withdrawal rates. Starting with a withdrawal rate near 4% and a minimum 50% equity allocation in retirement gave a higher probability of success in historical 30 year ...