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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.
Morningstar’s research on the optimum initial safe withdrawal rate started in 2021 when the analysis recommended a 3.3% withdrawal rate. For 2022, that rate increased to 3.8%.
The new withdrawal rate is based on a conservative retirement savings portfolio that consists of 20% to 40% in stocks, 10% in cash, and the rest in bonds with a 30-year time horizon, according to ...
Morningstar recommends withdrawing no more than 3.8% of your retirement savings in the first year, up from 3.3%. ... ‘90% success rate’ Morningstar’s report ... The recommended withdrawal ...
The worst 30-year period had a maximum withdrawal rate of 3.5%. 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 ...
What to Know About Retirement Withdrawal Rates. ... Morningstar research from 2021 found that a 3.3% initial withdrawal rate was appropriate due to low bond yields and potentially overvalued ...