Here’s why you may want to rethink the 4% rule.

Recent research supports moving away from rigid withdrawal rates. Morningstar’s December 2025 analysis recommends a 3.9% starting safe withdrawal rate for new retirees with a 30-year horizon—not 4%.

Confused about retirement savings options? Discover how Retirement Annuities and Tax-Free Savings Accounts can work together as complementary products to maximise your retirement nest egg while ...

The 4% withdrawal rule is a common practice among retirees. The idea is that you withdraw 4% of your portfolio each year and live on the withdrawal. However, the 4% rule also assumes that prices stay ...

Once in retirement, a fundamental shift generally occurs to ensure accumulated assets be distributed sustainably over an uncertain time horizon.

Financial personality Suze Orman has questioned whether the traditional 4% rule, a decades-old retirement planning guideline, ...

Forbes contributors publish independent expert analyses and insights. True Tamplin is on a mission to bring financial literacy into schools. Saving enough money is half the battle for a comfortable ...

Taking a lump sum from your pension can be a fantastic way to pay off your mortgage, help out the kids or boost your savings. But understanding the rules is crucial if you want to make the most of ...

During challenging financial times, people often consider withdrawing money from their 401(k) plans. Balances in 401(k) plans are deceiving. They are not like checking accounts where what you see is ...

One of the most common and emotionally loaded questions retirees ask is how long will my money last in retirement. It’s a ...

A large portion of employees withdraw their entire 401(k) balance when they leave a job rather than rolling it over to their new employer or another account, Vanguard found.