One way to mitigate this issue is to keep some portion of your portfolio in cash or short-term bonds to meet short-term needs. You can rely on this cash buffer when the market is down, your ...

Investment researchers have been playing around with the 4% rule, looking for ways that retirees can safely spend more on ...

On the other hand, if you have a chronic illness and don’t expect to live into your 90s, you could consider a higher rate.

Popular retirement withdrawal strategies like the 4% rule assume a steady rate of spending for retirees. But new research ...

But it's not a given that you'll have a 401 (k) available to you in 2026. It may be that you're getting a new job at a small ...

Morningstar’s new analysis suggests retirees can start with one withdrawal rate and adjust for inflation, but taxes, fees, and portfolio mix still matter.

The financial advisor studied a system to determine a withdrawal percentage that would ensure no one would run out of money.

How does it work? The 4% rule is a popular retirement withdrawal strategy that involves withdrawing 4% of your total retirement savings during your first year of retirement. In subsequent years, you ...

When times are tough and household budgets are under severe strain, taking cash out of your 401(k) plan can provide some relief. However, it’s best to be cautious, as there are specific rules related ...

When it comes to spending in retirement, financial advisers and investment experts have long clung to the golden 4% rule as ...