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The 4% rule is a popular strategy that involves withdrawing 4% of your portfolio each year to cover living expenses. This strategy applies to retirees and can help you gauge how much money you ...
If you’re going to follow the 4% rule, Sprung suggests making adjustments over time based on your retirement goals. “The 4% rule, like any rule, should be used only as a guideline,” says Sprung.
The 4% rule essentially locks you into a preset withdrawal rate throughout retirement, not accounting for inflation-related adjustments. But that won't necessarily work for you.
The rule was later further popularized by the Trinity study (1998), based on the same data and similar analysis. Bengen later called this rate the SAFEMAX rate, for "the maximum 'safe' historical withdrawal rate", [3] and later revised it to 4.5% if tax-free and 4.1% for taxable. [4] In low-inflation economic environments the rate may even be ...
The appeal of retirement age flexibility is the focal point of an actuarial approach to retirement spend-down that has spawned in response to the surge of baby boomers approaching retirement. The approach is based on personal asset/liability matching process and present values to determine current year and future year spending budget data points.
“The traditional 4% withdrawal rule that has been in use for years may no longer be viable, as indicated by the recent market trends in Morningstar’s most recent reports showing lower ...