Timofey Zadvornov from Getty Images and Kaboompics.com from Pexels Key Points A 55-year-old retiree with $2.5M can safely withdraw around$92,500 annually based on the revised 3.7% withdrawal rate. Experts lowered the safe withdrawal rate from 4% to 3.7% due to longer lifespans and lower projected future returns. Even conservative withdrawal rates often result in portfolio decline over time due to market downturns and inflation adjustments. If you’re thinking about retiring or know someone who is, ...