The 4% Rule for Retirement Is Back - WSJ - The Wall Street Journal

Thanks to higher interest rates and bond yields, it is likely safe for new retirees to spend 4% of their nest eggs in their first year of retirement, according to new research from Morningstar.

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The 4% Rule For Retirement Is Back - WSJ - The Wall Street Journal

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Thanks to higher interest rates and bond yields, it is likely safe for new retirees to spend 4% of their nest eggs in their first year of retirement, according to new research from Morningstar.

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WSJ Webview - The 4% Rule For Retirement Is Back

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Those able to delay retirement enough so they need only 20 years of income can use an initial spending rate of 5.4%. The standard 4% recommendation is for a portfolio with 20% to 40% in …

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The ‘4% Rule’ For Retirement Is Now A 3.7% Rule, Morningstar Says

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Dec 11, 2024 · The 3.7% recommendation is slightly below the 4% rule that emerged as the wealth-management industry’s standard advice for retirees in the 1990s.

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[WSJ] The 4% Rule For Retirement Is Back : …

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Nov 14, 2023 · For those wondering if now is a good time to retire, here’s some encouraging news: The 4% rule is back. Thanks to higher interest rates and bond yields, it is likely safe for …

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Does The 4% Retirement Rule Still Apply In 2024, Or Do You Need …

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Jan 22, 2024 · The rule’s applicability is the subject of an ongoing debate that takes into account the potential for longer life spans and the unpredictability of market performance.

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The 4% Retirement Spending Rule Is Back - Yahoo Finance

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Dec 12, 2022 · The 4% rule helps ensure safe spending in retirement, and Morningstar researchers say that retirees can go back to taking higher initial withdrawals, The Wall Street …

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Does The '4% Rule' For Retirement Need Updating? - The Wall …

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Nov 22, 2021 · There's a longstanding so-called rule about retirement, the 4% rule, spend no more than 4% of your savings in the first year, then adjust that amount to keep pace with …

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The 4% Rule For Retirement Spending Makes A Comeback - WSJ

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Personal Finance; The 4% Rule for Retirement Spending Makes a Comeback Your 401(k) probably took a beating in 2022, but it is now safer for new retirees to take higher initial …

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Retirement Alert: The 4% Rule Is ‘No Longer Feasible’ — How …

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Nov 15, 2021 · The 4% rule has long been synonymous with retirement spending. The so-called rule of thumb states that retirees can safely withdraw 4% of their retirement savings during …

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Why The 4% Retirement Rule Is Just A Starting Point - WSJ

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The 4% rule is still a good starting point when thinking about tapping your savings. But that’s all it should be. Photo: iStockphoto/Getty Images

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Cut Your Retirement Spending Now, Says Creator Of The 4% Rule

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For decades, retirees have relied on the 4% rule to determine how much was safe to spend in retirement. Now, the rule’s inventor says current market conditions may require an even more ...

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Questions About The 4% Rule For Retirement - WSJ - The Wall …

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Here is a follow-up to a Wall Street Journal article noting that some retirement-income experts have thrown out the 4% rule—that you can make your retirement savings last by withdrawing …

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Say Goodbye To The 4% Rule - Tips From The WSJ | Early Retirement

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Mar 5, 2013 · Say Goodbye to the 4% Rule for Retirement - WSJ.com "Conventional wisdom says you can take 4% from your savings the first year of retirement, and then that amount plus …

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The ‘4% Rule’ For Retirement May Change: How Will This ... - Nasdaq

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3 days ago · The popular retirement strategy known as the “4% rule” may need some adjusting in 2025 and beyond. Some researchers and financial experts are warning changes may be …

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Not So Easy To Follow The 4% Rule In Retirement - WSJ - The Wall …

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The foundation of Mr. Bengen’s 4% rule is to maintain in retirement at least a 50% allocation to equities, and that a total return strategy (using only investments) to fund retirement income is ...

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Forget The 4% Rule: Rethinking Common Retirement Beliefs

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With both stocks and bonds expensive by historic measures, and people having longer retirements, researchers are rethinking some long-held rules to better manage the risk of a …

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Does The '4% Rule' For Retirement Need Updating? - The Wall …

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Nov 22, 2021 · Financial advisors have long counseled retirees to spend no more than 4% of their savings in the first year of retirement. But new research challenges that bit of conventional …

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WSJ: Forget The 4% Rule: Rethinking Common Retirement Beliefs

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Interesting article I came across in the Wall Street Journal this morning regarding the 4% rule; which is commonly prescribed in this sub as guidance for income in retirement. Many financial …

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Say Goodbye To The 4% Rule For Retirement - WSJ - The Wall …

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Conventional wisdom says you can take 4% from your savings the first year of retirement, and then that amount plus more to account for inflation each year, without running out of money for …

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FAQs about The 4% Rule for Retirement Is Back - WSJ - The Wall Street Journal Coupon?

What is the 4% retirement rule?

There’s good news for retirees: The 4% retirement rule is here again. The 4% rule helps ensure safe spending in retirement, and Morningstar researchers say that retirees can go back to taking higher initial withdrawals, The Wall Street Journal reported. ...

Is a WSJ investment portfolio safe for retirees?

That’s the spending rate from an investment portfolio that’s likely safe for people planning to retire soon to use in their first year of retirement, according to a new analysis released Wednesday by fund tracker Morningstar. Already a WSJ subscriber? Sign in For those about to retire, here’s a useful number to guide your spending plans: 3.7%. ...

Should new retirees spend 4% of their nest eggs?

According to a new analysis from Morningstar, it is likely safe for new retirees to spend 4% of their nest eggs in the first year of retirement and then adjust that amount for inflation in subsequent years. Copyright © 2024 Dow Jones & Company, Inc. ...

Is Bill Bengen violating his own retirement rule?

Bill Bengen admits to being so uncomfortable with the markets in retirement that he is violating his own rule. “ It’s Time to Rethink 4% Retirement Rule ” (Personal Journal, April 20) is fascinating, especially the revelation that Bill Bengen, now retired, is invested in 20% equities, 10% bonds and 70% cash. ...