Forbes contributors publish independent expert analyses and insights. Steve Vernon, FSA, helps retirees make their money last for life. How much should you withdraw from your retirement savings in ...

The “right” safe starting withdrawal rate is a moving target, depending on equity valuations, bond yields, prospects for inflation, and a retiree’s own life expectancy and asset allocation, among ...

The headline safe withdrawal rate from Morningstar’s 2024 retirement income research was dispiriting: We pegged 3.7% as a baseline safe starting withdrawal percentage for people who are just embarking ...

The 4% Rule is arguably the most famous strategy for making sure your retirement income lasts long. Developed in the 1990s, it offers an evidence-based answer to most retirees’ question: “How much can ...

The 4% Rule creator later admitted his 1994 calculations used flawed assumptions from 1968 economic conditions. Bengen revised his SAFEMAX rate to 7% over longer periods after factoring in historical ...

Listen and subscribe to Decoding Retirement on Apple Podcasts, Spotify, or wherever you find your favorite podcasts. In 1994, Bill Bengen published groundbreaking research that reshaped the way ...