Retirees: Adjust Your Withdrawal Rates
Update: 2025-12-08
Description
Retirees may need to revise their financial plans due to Morningstars new advice. The investment research firm suggests a 3.7% initial withdrawal rate from retirement savings, a significant decrease from the popular 4% rule. This change is due to lower expected returns on stocks and bonds, as well as high valuations and reduced yields. Other experts also warn of slower future investment growth. Retirees should consider a more flexible approach to withdrawals, adjusting based on market performance or personal needs, to ensure a comfortable and secure future.
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