On paper, the 4% rule sounds like a good plan. In practice, it may not be. This popular guidance may no longer work as well.

You don't have to write off this popular guidance, but tweaking it might serve you well.

One of the cornerstones of retirement planning is determining how much you can safely withdraw each year while maintaining a certain quality of life. And it wouldn't take much searching to come across ...

The 4% rule has long been hailed as optimal for managing retirement savings. But the 4% rule may not be suitable to your portfolio and retirement timeline. Use the 4% rule as a starting point, but ...

The 4% rule of retirement puts you on an austere budget in your leisure years. Even if you save a million dollars, the 4% formula allows you to spend only $40,000 of your money in the first year. But ...

Alexandra Kerr is the Senior Director of Brand Communications & Marketing and has 14 years of experience as a producer, writer, and editor. Suzanne is a content marketer, writer, and fact-checker. She ...

Morningstar revised the safe retirement withdrawal rate to 3.9% for 2026 from the traditional 4% rule. Retirees willing to adjust spending based on market performance can start withdrawals near 6%.