The No. 1 financial goal for most Americans is to stop working. Once they retire, their primary goal becomes not running out of money.

Bill Bengen, a financial planner, forged an industry standard in 1994 for thinking about 'safe' withdrawal rates for investment portfolios during retirement. Although no one can reliably predict the ...

The old "safe" withdrawal rate is either too risky or too conservative. It is time to embrace a strategy that breathes with ...

This article draws heavily on Bill Bengen’s new groundbreaking safe withdrawal rate research and references his latest updates. Bill was kind enough to review the article and his insights are included ...

Thanks to higher equity valuations and lower bond yields, capital markets assumptions for the major asset classes have come down a little bit, so the safe withdrawal is lower this year. In our base ...

The conventional method for evaluating safe withdrawal rates assumes that retirees maintain a stable standard of living through retirement in real (inflation-adjusted) dollars. While there’s nothing ...