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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.
Many factors influence the safe withdrawal rate ... 1926 to 1976 — financial advisor William Bengen challenged the prevailing narrative that withdrawing 5% yearly in retirement was a safe bet. ...
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.
Here's how it all works: Start with a $1 million initial investment, a 4% stated withdrawal rate, and a 2.42% inflation rate, you would withdraw $40,000 from the portfolio in Year 1, $40,968 in ...
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%.
Retirement age and longevity: The safe withdrawal rate formula is based on a 30-year retirement. If you plan on retiring early or living longer than the 30-year timeframe, adjust your withdrawal ...