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.
Finke, Toland, Introduce Retirement Withdrawal Alternative to 4% Rule
The IncomePath strategy focuses on providing flexible spending arrangements for participants, rather than a set withdrawal rate
More Older Participants Favor DOL Best Interest Rule
66% of participants say they would not vote for a member of Congress who would try to overturn the department's controversial fiduciary rule
The ‘4% Rule’ is Back: Morningstar
Prospects for retirement income look a bit brighter as new research paper raises the safe starting withdrawal rate back to the standard 4%
Best Laid Plans: Let’s Help People Not Go Astray
While we live in a world of uncertainty, LeafHouse’s Todd Kading says there are ways to provide comfort to those who would like to have a plan that doesn’t wildly shift what income they can count on in retirement
With ‘Peak 65’ Nearing, More Advisors Consider Annuities
New RetireOne and Allianz Life survey finds that more Baby Boomers cite concerns with inflation and market volatility on their retirement savings
‘Peak 65’ is Coming—And Retirement Advisors are Changing Because of It
New research from The Alliance for Lifetime Income and CANNEX says financial professionals are increasingly looking to annuities to protect clients as the industry shifts retirement investing strategies
Participants Could Exhaust Retirement Savings Without Lifetime Income Strategies
A new report by AllianceBernstein finds that more participants overestimate just how much they can withdraw in retirement
5 Key Themes in J.P. Morgan Asset Management’s 2023 Guide to Retirement
New research released today explores top trends in the defined contribution space, including SECURE 2.0 and market uncertainty
Most Expensive Cities to Retire: Where $1 Million Isn’t Enough (And Where it Is)
One state has 12 of the 20 most expensive metro areas for retirement, where a nest egg much larger than $1 million is needed for a comfortable retirement
Morningstar Inches Closer to 4% with 3.8% Safe Withdrawal Rate
Despite inflation and market volatility, recent research from Morningstar raises the withdrawal rate from 3.3% in 2021