GOBankingRates works with many financial advertisers to showcase their products and services to our audiences.
These brands compensate us to advertise their products in ads across our site.
This compensation may impact how and where products appear on this site.
Commitment to Our Readers
GOBankingRates' editorial team is committed to bringing you unbiased reviews and information.
you’ve got the option to read more about oureditorial guidelinesand our products and servicesreview methodology.
Some researchers and financial experts are warning changes may be needed based on market conditions and other factors.
According to the strategy, retirees tap 4% of their nest egg the first year.
For future withdrawals, they adjust the previous years dollar figure upward for inflation, perCNBC.
According toMorningstarresearch, that safe withdrawal rate declined to 3.7% in 2025.
A couple I recently engaged with adjusted their spending plan by employing a flexible withdrawal strategy.
New retirees might need to lower that percentage closer to 3.3% to avoid prematurely depleting their savings.
According to Mueller, one strategy that has been helpful for clients is to create spending buckets.
You would divide your withdrawals into essential expenses and discretionary ones.
While bonds provide stability, the low-yield environment were in makes them less effective at outpacing inflation.
This strategy can prevent you from needing to sell investments during a downturn.
More From GOBankingRates
Share This Article:
