Key Takeaways Recent research shows that married retirees withdraw about 2.1% of their savings annually, while spending 80% of their guaranteed income, like Social Security.Morningstar's latest ...

Financial advice professionals have used the 4% rule as a benchmark for advising their clients in scheduling their retirement account withdrawals for decades. It has now become a regular part of the F ...

The order in which you withdraw money from retirement accounts can significantly impact how much you owe in taxes. One of the most popular withdrawal strategies involves drawing from taxed accounts ...

A 54-year-old with $4M in a 401(k) has eight times the average balance for people in their 50s. The rule of 55 allows penalty-free 401(k) withdrawals if you leave your job in the year you turn 55 or ...

Some people will spend decades saving and investing for retirement, only to discover that they missed a step along the way. That commonly "missed" step? Devising their plan for decumulation − in other ...

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

Vanguard recently released its "How America Saves 2025" report. The data reveals that 401(k) hardship withdrawals have been on the rise since 2020. It's best to avoid withdrawing money early from your ...

Saving for retirement is complicated, and this IRS rule is pretty important. The biggest effect that most investors will have on their long-term wealth is from saving. Investing is important, but you ...

Forbes contributors publish independent expert analyses and insights. True Tamplin is on a mission to bring financial literacy into schools. A 401(k) is an employer-sponsored savings plan that allows ...