Retirees: Here's How to Tweak the 4% Rule to Protect Your Nest Egg

Author: Morningstar
Published: Fri 25 Apr 2025
Episode Link: http://www.morningstar.com

Amy Arnott, Morningstar Inc. portfolio strategist, discusses why her team’s starting safe withdrawal rate is more conservative than the popular 4% rule. Plus, a new metric to help determine financial priorities during retirement.

How ‘The State of Retirement Income’ Report Helps Investors Know Their Safe Withdrawal Rate

Conservative Estimate for Starting Safe Withdrawal Rate

Why Has the Starting Safe Withdrawal Rate Gone Down?

Flexible or Dynamic Strategies to Increase the Starting Safe Withdrawal Rate

What Is the Spending-Ending Ratio?

Retirement Spending Strategies That Leave Legacy Funds

Strategies to Help Retirees Spend All Their Retirement Savings

Should You Delay Social Security?

What Type of Retiree Should Considering an Annuity?

Pros and Cons of Deferred Annuities

What’s Next for ’The State of Retirement Income’ Report?

Read about topics from this episode.

Six Retirement Withdrawal Strategies That Stretch Savings