Browsing Tag
4% Rule
29 posts
The 4% rule is a retirement planning guideline suggesting that retirees can safely withdraw 4% of their investment portfolio in the first year of retirement, then adjust that amount annually for inflation. Developed from historical market data, it aims to provide steady income for at least 30 years without depleting savings. It assumes a balanced portfolio of stocks and bonds, though actual results depend on market performance, longevity, and spending needs.
Retirees Choose Saving, Not Spending, in Retirement
Research from David Blanchett and Michael Finke explains how language and annuities impact retirement spending behavior
Americans Face Additional $100k Cost to Offset Social Security Insolvency
A 17% cut in benefits could translate to $4,039 per year, finds PensionBee
Retirees Prefer Spending Lifetime Income Over Savings
New study by David Blanchett and Michael Finke finds retirees spend more with lifetime income
TIAA Lifetime Income Annuities Now Available in IRAs
“Historic expansion” gives all Americans access to pension-like guaranteed retirement checks for life
Most Plan Participants Seriously Uninformed About How Much to Save, 4% Rule
Principal research finds vast majority of workers are utilizing their 401(k), but have big misconceptions around savings benchmarks and planning for income in retirement
Morningstar Lowers Retirement Withdrawal Rate to 3.7%
Morningstar credits higher equity valuations and lower fixed income yields for the decrease in its new State of Retirement Income report
Annuity Benefit Payments Reach $104B in 2023
This is a 9% increase compared to 2022, finds the ACLI
Full or Partial Annuitization May Create Better Retirement Outcomes
The ACLI backed research emphasizes the value of annuities in retirement income strategies over the popular 4% rule
Corporate Roundup: Paychex Exceeds 120,000 Clients, Mutual of America Names CEO
The latest news from the 401(k) industry, including Paychex, Mutual of America, Nationwide Retirement Solutions, Savvy Advisors, and more
Even in Retirement, Consumers Worry About Debt, Mortgage
Close to a third of retirees are less secured about their retirement compared to past generations, finds Nationwide