Amy Arnott, Morningstar Inc. portfolio strategist, discusses why her team’s starting safe withdrawal rate is more conservative than the popular 4% rule. Plus, a new metric to help determine financial priorities during retirement.

How ‘The State of Retirement Income’ Report Helps Investors Know Their Safe Withdrawal Rate

Conservative Estimate for Starting Safe Withdrawal Rate

Why Has the Starting Safe Withdrawal Rate Gone Down? 

Flexible or Dynamic Strategies to Increase the Starting Safe Withdrawal Rate 

What Is the Spending-Ending Ratio? 

Retirement Spending Strategies That Leave Legacy Funds 

Strategies to Help Retirees Spend All Their Retirement Savings 

Should You Delay Social Security? 

What Type of Retiree Should Considering an Annuity?

Pros and Cons of Deferred Annuities 

What’s Next for ’The State of Retirement Income’ Report?

Read about topics from this episode.  

Six Retirement Withdrawal Strategies That Stretch Savings

The Best Ways to Maximize Your Retirement Income in 2025

Navigating the Future of Retirement Income: Trends, Strategies, and Insights

Morningstar’s Retirement Income Research: Reevaluating the 4% Withdrawal Rule

What’s a Safe Retirement Spending Rate for 2025?

Maybe You Shouldn’t Delay Taking Your Social Security Benefits After All

How to Retire: Tips for Entering Retirement

TIPS Funds Gain on Fears of Inflation and Economic Downturn

How to Use Our Retirement Income Research

What to watch from Morningstar. 
Worried About a Market Sell-Off? These 10 Funds Reduce Portfolio Risk

Gray Divorce: How to Avoid Triggering a Costly Tax Bill

Why the Bond Market Looks Brighter Than It Did in 2022

Where to Find Bargain Stocks in an Expensive Market

Read what our team is writing:

Amy Arnott

Ivanna Hampton

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