Planning for retirement can feel like staring into a financial fog, but the 4% Rule has long served as a helpful compass. First introduced in the 1990s, this rule offers a simple way to estimate how ...

After decades of hard work, retirement should be a time to enjoy the fruits of your labor. But figuring out how to make your retirement funds last, especially in an uncertain or volatile economy, is ...

Three decades ago, financial adviser Bill Bengen created a retirement principle called the 4% rule. It went viral. Now, the rule is getting an update. The 4% rule says you should plan to spend 4% of ...

For a generation of savers, the 4% rule has been treated as a hard ceiling on what they can safely spend in retirement. Now the rule's creator, financial advisor Bill Bengen, is arguing that many ...

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 ...

No matter where you go online, there is a better-than-good chance that you will see the 4% rule come up around the idea of retirement. This is basically the prevailing rule of thumb as to how much ...

Bill Bengen, the father of the 4% rule, agrees that a 4% withdrawal rate doesn't work for everyone. Most retirees can withdraw more without worrying about running out of money. The ideal withdrawal ...

New research published in the Journal of Retirement found that full or partial annuitization leads to better retirement income outcomes than the 4% rule. The research also found that those with ...

William Bengen now says a withdrawal rate of 4.7% may be more appropriate. Retirees who can cut back a little during rough market years tend to do better than those who consistently withdraw the same ...

Many financial experts swear by the 4% rule. That strategy may not lead to the retirement income you want. Dave Ramsey says you can withdraw more aggressively from your savings — but only if you do ...

The 4% rule assumes a 30-year retirement horizon with a balanced stock-bond portfolio. Ramsey’s 8% rule requires a stock-heavy portfolio to generate sufficient returns. Both strategies demand ...