The 4% retirement withdrawal rule is only a guideline

08/6/2013 | National Underwriter Life & Health

When planning for retirement, the often quoted "4% rule" for how much money investors can withdraw from savings without running out of money is only one of several important pre-retirement calculations, writes Nevin Adams, director of education and external relations at the Employee Benefit Research Institute. "At its core, once you stipulate certain assumptions about the length of retirement, portfolio mix/returns, and inflation, guidelines like the 4-percent 'rule' are really just a mathematical exercise," he writes.

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