Recent research supports moving away from rigid withdrawal rates. Morningstar’s December 2025 analysis recommends a 3.9% starting safe withdrawal rate for new retirees with a 30-year horizon—not 4%.
The 4% rule might be a little outdated for 2026.
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Beyond the 4% rule: why retirees now need a dynamic withdrawal strategy to avoid running out of money
The old "safe" withdrawal rate is either too risky or too conservative. It is time to embrace a strategy that breathes with ...
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