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, ...

文章核心观点 - 行业专家建议将退休资金的安全提取率从4%提升至4.7% [2] - 新的提取率旨在提高退休人员的生活水平并降低资金耗尽的概率 [2][3] - 这一调整基于投资选择、收入来源和财务规划方法的演变 [4] 退休提取率计算 - 对于25万美元的投资组合，4.7%的提取率意味着退休第一年可安全取出11,750美元 [3] - 提取金额每年根据通货膨胀率调整，例如3%的通胀率使第二年提取额增至12,102.50美元 [3] 安全提取率提升的原因 - 投资者现在拥有更多高收益投资选择，例如高收益储蓄账户的收益率可达传统银行账户的10倍以上 [5] - 许多退休人员愿意通过兼职或临时工作补充收入，减轻投资组合的压力 [6] - 财务规划技术更加先进，允许根据实际投资结果灵活调整支出模式 [7] 实施更高提取率的保障措施 - 最佳退休计划包含“防护栏”，以防止糟糕的投资结果破坏整个计划 [8] - 在计划中建立灵活性有助于避免资金过早耗尽的风险 [8]