Investment researchers have been playing around with the 4% rule, looking for ways that retirees can safely spend more on ...

Financial advice professionals have used the 4% rule as a benchmark for advising their clients in scheduling their retirement ...

Retirees rarely go broke because of one wild purchase. Savings usually erode for a quieter reason: spending as if the ...

One way to mitigate this issue is to keep some portion of your portfolio in cash or short-term bonds to meet short-term needs. You can rely on this cash buffer when the market is down, your ...

In 2022, the last year for which there’s data available, the average retirement savings balance for 65- to 74-year-olds was ...

When it comes to spending in retirement, financial advisers and investment experts have long clung to the golden 4% rule as ...

Morningstar’s new analysis suggests retirees can start with one withdrawal rate and adjust for inflation, but taxes, fees, and portfolio mix still matter.

When times are tough and household budgets are under severe strain, taking cash out of your 401(k) plan can provide some relief. However, it’s best to be cautious, as there are specific rules related ...

Some people will spend decades saving and investing for retirement, only to discover that they missed a step along the way. That commonly "missed" step? Devising their plan for decumulation − in other ...

The financial advisor studied a system to determine a withdrawal percentage that would ensure no one would run out of money.

Believe it or not, the IRS can penalize you if you don't use your money. Yes, you read that right, the U.S. government ...