The 4% Rule for Retirement Spending Makes a Comeback


Retirees walloped by high inflation and volatile stock and bond markets are getting some good news: The 4% spending rule—or something close to it—is back.

The traditional advice for retirees who need to make their money last for 30 years is to spend no more than 4% of their savings in the first year of retirement, and in subsequent years raise those withdrawals to keep pace with inflation.

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