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Tag Archive: examination of the 4% rule for retirement planning

Getting Real: The 4% Rule for Retirement Savings Withdrawals

Todd D. Heckman

If you start talking with anyone – your financial advisor, someone who reads the financial press, maybe even your dog – about how much you can withdraw from your savings when you retire, you’re likely to get an answer revolving around “The 4% Rule.” This rule is not a real rule, just a “rule of thumb.” It’s based on a string of technical studies addressing the question: how much could you safely withdraw every year, with an allowance for inflation, and (probably) not run out...

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