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Safe retirement withdrawal rate adjusted to 3.9% for new retirees
Market Insights December 04, 2025 at 12:46 PM
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What You Need To Know
- Morningstar’s latest "safe" spending analysis finds people starting retirement in 2026 can spend 3.9% of the portfolio annually.
- If they embrace flexible spending strategies, the safe rate is as high as 6%.
- Experts say the latter approach is likely more appealing and appropriate for most retirees.