Is a Safe Retirement Withdrawal Rate Below 4% or Almost 6%?
The Motley Fool
Morningstar's research suggests a safe retirement withdrawal rate of 3.9% for new retirees using conservative spending strategies, while William Bengen's updated research proposes 4.7%. The article explores various withdrawal strategies, including dynamic approaches that allow higher initial rates (up to 5.7%) with trade-offs in spending volatility. Key considerations include sequence-of-return risk, asset allocation (20-50% equities recommended), and the importance of flexible spending strategi...
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