In our recent annual study on safe withdrawal rates, my colleagues Tao Guo, Jason Kephart, Christine Benz, and I looked into a variety of strategies that retirees can use to manage portfolio ...

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

The 4% rule assumes a 30-year retirement horizon with a balanced stock-bond portfolio. Ramsey’s 8% rule requires a stock-heavy portfolio to generate sufficient returns. Both strategies demand ...

The purpose of the 4% rule is to help you avoid depleting your savings in retirement. The rule may not work for you for a number of reasons. The best thing to do is use the 4% rule as a starting point ...

If you're spending time and energy on your retirement savings, that time and energy largely revolves around how to make those savings grow. "How much should I save?" "What accounts should I use to ...

One of the more underrated retirement strategies you can consider today is the Health Savings Account. Essentially, a tax-advantaged savings account that can help you pay for medical expenses like ...

Most retirees want to spend as much as they can without having to worry about running out of money. Morningstar’s State of Retirement Income research analyzes retirement spending strategies to ...

The classic 4% rule for retirement withdrawals was built for a bygone era. Learn why it's less reliable today and how to build a flexible spending plan that fits your life.

Recent research reveals retirees withdraw just 2.1% of their savings annually—about half the amount experts recommend. Here's what the data shows.

Retirement buckets are a way to organize your retirement savings. Let's explore how to divvy your savings into "buckets," and ...

Learn the early retirement withdrawal rules that allow you to access retirement funds before age 59½ without penalties, including the Rule of 72(t) and the Rule of 55, and how to use them wisely.