If you’re approaching or already in retirement, knowing your safe withdrawal rate is key to making your money last. This is the percentage you can take out of your retirement savings each year without ...

For years, experts have recommended the 4% rule for managing retirement plan withdrawals. This guidance has you withdrawing 4% of your IRA or 401(k) balance your first year of retirement, and then ...

The IRS charges a 10% penalty on early 401(k) withdrawals David Kindness is a Certified Public Accountant (CPA) and an expert in the fields of financial accounting, corporate and individual tax ...

Thanks to higher equity valuations and lower bond yields, capital markets assumptions for the major asset classes have come down a little bit, so the safe withdrawal is lower this year. In our base ...

Morningstar research suggests that clients retiring in 2026 could start with a withdrawal rate of 3.9% and, adjusting for inflation, continue through a 30-year retirement without running out of money.

Margaret Giles: Hi, I’m Margaret Giles from Morningstar. Morningstar’s annual safe withdrawal rate research suggests that new retirees consider a 3.9% starting withdrawal if they’re looking for the ...

Peter Gratton, Ph.D., is a New Orleans-based editor and professor with over 20 years of experience in investing, economics, and public policy. Peter began covering markets at Multex (Reuters) and has ...

The 4% rule has you withdrawing 4% of your savings your first year of retirement, with future withdrawals adjusted for inflation. For the rule to work, certain factors need to be present. Research ...