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.
Most Americans Financially Unable to Retire at 65
New research from The Stanford Center on Longevity and Finance of America Reverse shows median retirement savings of just $128,000
With Most Americans Concerned About Outliving Retirement Savings, Are Advisors Doing Enough to Help?
New survey of RIAs finds many lag on providing strategies for retirement income planning while remaining focused on accumulation
IRI Expert Weighs in On Morningstar Update to 4% Rule
In light of recommended change to longstanding rule of thumb, Insured Retirement Institute’s Frank O’Connor says annuities can protect retirement portfolios while delivering lifetime income
3.3% Safe Withdrawal Rate is the New 4%: Morningstar
When it comes to a safe withdrawal rate for retirees, 4% has long been the accepted standard. A new report from Morningstar Research lowers that, but also offers ideas for how the rate could actually exceed 4%
How to Solve the Retirement Income Riddle: NAPA 401(k) Cyber Summit
“To feel confident in their retirement, participants tend to need to know a little bit about investing, and…
Wade Pfau to Head RICP Designation at The American College
Wade Pfau, renowned retirement expert, appointed Director of RICP, enhancing retirement planning education at The American College.
Ridiculously Bad Advice on the 4 Percent Retirement Rule
Boo on Business Insider for an irresponsible and downright awful article involving the 4 percent "safe" retirement withdrawal rule.
How After-Tax Contributions Become Tax-Free Retirement Income
For many years, after-tax contributions to retirement plans were like the seventh batter on a professional baseball team.…
Is the 4 Percent Withdrawal Rule Obsolete? The Never Ending Debate Trudges On
Is the 4 percent rule still valid for retirees? A new white paper challenges its validity and suggests a lower safe withdrawal rate.