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

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 The Best Ways to Maximize Your Retirement Income in 2025 Navigating the Future of Retirement Income: Trends, Strategies, and Insights Morningstar’s Retirement Income Research: Reevaluating the 4% Withdrawal Rule What’s a Safe Retirement Spending Rate for 2025? Maybe You Shouldn’t Delay Taking Your Social Security Benefits After All How to Retire: Tips for Entering Retirement TIPS Funds Gain on Fears of Inflation and Economic Downturn How to Use Our Retirement Income Research     What to watch from Morningstar.  Worried About a Market Sell-Off? These 10 Funds Reduce Portfolio Risk Gray Divorce: How to Avoid Triggering a Costly Tax Bill Why the Bond Market Looks Brighter Than It Did in 2022 Where to Find Bargain Stocks in an Expensive Market   Read what our team is writing: Amy Arnott Ivanna Hampton   Follow us on social media. Facebook: https://www.facebook.com/MorningstarInc/ X: https://x.com/MorningstarInc Instagram: https://www.instagram.com/morningstar...  LinkedIn: https://www.linkedin.com/company/5161/