Jul 25, 2025 · The 4% rule is a retirement guideline suggesting you can withdraw 4% of your retirement savings in the first year, then adjust for inflation annually, ideally lasting for 30 years.

Dec 30, 2025 · Investment researchers have been playing around with the 4% rule, looking for ways that retirees can safely spend more on every retirement dollar.

Dec 6, 2025 · The short version is that the 4% rule states that you can comfortably withdraw 4% of your savings in your first year of retirement and adjust that amount for inflation for every …

William P. Bengen is a retired financial adviser who first articulated the 4% withdrawal rate ("Four percent rule") as a rule of thumb for withdrawal rates from retirement savings; [1] it is …

Aug 19, 2025 · For more than 30 years, the so-called 4 percent rule — a tidy formula to help retirees figure out how much they can withdraw from their portfolios each year without running …

Sep 3, 2025 · As a financial planner in the early 90s, William Bengen sought to identify a safe retirement withdrawal rate for his clients. The 4% rule was born.

Jul 24, 2025 · In essence, the 4 percent withdrawal strategy suggests that retirees may be able to safely siphon off 4 percent of their investment portfolio for living expenses in their first year of …

Sep 19, 2025 · Today, we’re going to dig into the 4% rule. Read on to learn how this retirement withdrawal strategy works, how it has changed over the years, its upsides and downsides, and …

The idea behind the 4% rule is to withdraw roughly 4% of your savings each year, adjusting for inflation. By keeping withdrawals low, the 4% rule—or a similar strategy—helps ensure you …

Oct 31, 2025 · Here's how the 4% rule works. Let’s say you start with a $2.5 million portfolio. In your first year of retirement, you can withdraw 4% of your total balance or $100,000. That sets …