Considering how unpredictable markets and interest rates can be, the experts' old system of relying on an annual 4 percent rate of withdrawal from retirement savings to make it through retirement is now questionable wisdom.

According to a report on Money, there are better ways to stretch your retirement savings to last throughout retirement—four of them, actually, used in concert.

They're part of what the report calls a market-linked approach to withdrawals from retirement accounts.

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