Four percent has long been the target savings withdrawal number for retirees, but two recent studies encourage seniors to take a more individualized approach to the numbers game.

It's also information that helps provide a framework for the long-term planning employees need to consider on the front end, as they find the best ways to pre-load for a survivable retirement.  

Last year, a research paper in the Journal of Financial Planning predicted that a safe nest-egg withdrawal rate for retirements begun in 2010 is 1.8 percent. Within weeks of that report's appearance, a study in Retirement Management Journal made the case that a safe withdrawal rate for some individuals could be as much as 7 percent.

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