Explore variable withdrawal strategies for retirement planning – its definition, factors, types, advantages, disadvantages, and assessing the suitability.

In our recent annual study on safe withdrawal rates, my colleagues Tao Guo, Jason Kephart, Christine Benz, and I looked into a variety of strategies that retirees can use to manage portfolio ...

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 ...

Withdrawal strategies in retirement can feel tricky because no one wants to outlive their savings. There are enough withdrawal strategies to provide something for everyone. You don't have to stick ...

From tax-law shifts to Social Security and ERISA changes, many retirement variables lie out of advisors' hands. But that doesn't deter financial advisors from working year after year to fine-tune the ...

For as long as most of us can remember, the 4% rule has been something of the gold standard around retirement. In 2026, ...

The best retirement withdrawal method depends on what’s most important to you. That’s one of the conclusions from our recent annual study on safe withdrawal rates. Every spending method involves some ...

The order in which you withdraw money from retirement accounts can significantly impact how much you owe in taxes. One of the most popular withdrawal strategies involves drawing from taxed accounts ...

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 ...

New research suggests there are better ways than William Bengen’s 4% withdrawal strategy to guarantee a sustainable income stream in retirement. The new strategy involves using a mix of a low-cost ...

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 ...