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The 4% retirement rule doesn't account for investment fees or taxes. Investment fees charged by financial advisors or mutual funds can eat into your returns and shorten how long your portfolio lasts.
The popular retirement strategy known as the “4% rule” may need some adjusting in 2025 and beyond. Some researchers and financial experts are warning changes may be needed based on market ...
A new report from Morningstar recommends the safe withdrawal rate for retirees in 2025 is a mere 3.7% — a significant adjustment from the decades-old 4% rule that had dominated retirement planning.
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
Dig deeper: 401(k) withdrawal rules: What to know before cashing out — and how to avoid penalties. 5. Use your Roth accounts. ... How much to withdraw during retirement: The 4% rule of thumb.
New dynamic adjustment methods for retirement withdrawal rates have been developed after Bengen's 4% withdrawal rate was proposed: constant inflation-adjusted spending, Bengen's floor-and-ceiling rule, and Guyton and Klinger's decision rules. [16] [17] More complex withdrawal strategies have also been created. [18]
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