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%.
Here's why the once-popular retirement rule is outdated.
What Is the Constant-Dollar Withdrawal Strategy? The constant-dollar withdrawal strategy is a retirement income approach that involves withdrawing a fixed percentage of the initial portfolio value ...
If you choose early retirement, you have a long money-management journey ahead of you. By choosing the right withdrawal strategy, you can absorb shocks and bumps in the road. The well-worn 4% rule ...
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