The most popular retirement strategies include the 4% rule, or the approach to funding your retirement with annuities. After all, how can that go wrong, you build assets through your lifetime, and consume it all inRida Morwa is a former investment and commercial Banker, with over 35 years of experience. He has been advising individual and institutional clients on high-yield investment strategies since 1991. Rida Morwa leads the Investing Group High Dividend Opportunities where he teams up with some of Seeki ...

Tim Boyle / Getty Images News via Getty Images Key Points The median retirement savings for Americans aged 65 to 74 is $200K. A $200K nest egg generates only $8K annually using the 4% withdrawal rule. Claiming Social Security at 62 instead of 67 reduces monthly benefits by 30%. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than expected. take 5 minutes to learn more here The median retirement ...

SmartAsset and Yahoo Finance LLC may earn commission or revenue through links in the content below. Imagine that you have $900,000 in a Roth IRA and collect another $2,200 per month in Social Security. Can you afford to retire at age 66? A good way to answer this question is to start with your budget. What do you expect to spend on essentials, like housing and fixed monthly expenses, and what will it cost to maintain your lifestyle? Then take a look at your retirement income and see how all those figure ...

jacoblund/Getty Images Your crucial retirement number isn’t the balance of your 401(k). Key Takeaways Most households should aim to replace 70% to 85% of their pre-retirement pay, combining savings withdrawals with Social Security. Adjusting the mix of contributions, your claiming age, and products such as annuities lets you hit a personalized replacement target. Reaching $1 million in your 401(k) is a big milestone, but a seven‑figure balance can be a mirage. The question is whether all of your ret ...

Key Points A later retirement puts you at an advantage in certain regards. Figure out a withdrawal rate that supports you desired lifestyle while preserving your nest egg. Continue to invest wisely so your portfolio keeps generating returns. The $23,760 Social Security bonus most retirees completely overlook › A lot of people retire in their 60s, but doing so isn't for everyone. And there can be benefits to delaying retirement until your 70th birthday, especially if you enjoy what you do for a li ...

fadfebrian / Shutterstock.com Quick Read Dave Ramsey recommends an 8% annual withdrawal rate for retirees who invest 100% in stocks. A 100% stock allocation in retirement creates outsized risk during market downturns with limited recovery time. An 8% withdrawal rate is well above the commonly-recommended 4% withdrawal rate. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than expected. take 5 minute ...

There are more than 24 million millionaires in the U.S. If you’re one of them, you might have the extraordinary privilege of being able to retire whenever you want. Most Americans consider $1.26 million to be the “magic number” for retirement, according to Northwestern Mutual’s 2025 Planning & Progress Study. (1) So, if you have more than that amount, you could be ready to quit the rat race. Alternatively, you may prefer to continue working and saving. Many millionaires and multimillionaires continue th ...

PeopleImages.com - Yuri A / Shutterstock.com Quick Read The 4% rule assumes a 30-year retirement horizon with a balanced stock-bond portfolio. Ramsey’s 8% rule requires a stock-heavy portfolio to generate sufficient returns. Both strategies demand flexibility to adjust for market conditions. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here.   When you spend your entire life working hard to save fo ...

构建高额月度股息收入组合的核心前提 - 构建一个防御性股息投资组合以实现每月10,000美元收入是可行的 但需要巨额资本[2] - 为实现每月10,000美元（即每年120,000美元）的被动收入流 根据“4%法则”进行粗略估算 需要高达300万美元的储备金[5][7] - 追求过高收益率（例如超过4%法则）并不可取 尤其对于希望减少波动性和股息削减潜在焦虑的投资者而言[2] 投资策略与组合构建方法 - 首要目标是降低管理成本 同时找到股票和ETF的完美投资组合[3] - 混合高股息收益率ETF和部分JEPQ等投资 有助于支撑此类收入流[4] - 投资者应避免偏离“4%法则”太远 因为更高的收益率通常伴随着股息或分红削减的更高风险[4][5] 不同风险偏好下的规则调整 - “4%法则”仅是一个经验法则 部分能够承受更大波动的投资者或可遵循“6%法则”[5][6] - 寻求减少焦虑的投资者应坚持较低的投资组合收益率 甚至可以略低于4% 例如“3%法则”或“2%法则” 这对不习惯股市波动的新投资者而言焦虑感更少[6]

4%法则概述 - 4%法则是一个旨在帮助人们确定退休资金安全提取率的简单规则 根据该规则 在首次退休时从退休账户中提取4%的资金 之后每年根据通货膨胀调整提取金额 这样资金至少可以维持30年 例如 拥有100万美元储备金的人在退休第一年可提取4万美元 [2] - 该法则由财务顾问威廉·本根于1994年提出 旨在简化决策过程 帮助人们确定在不至于过快耗尽账户资金并破产的前提下可以提取的金额 [3] 苏茜·欧曼的批评观点 - 金融专家苏茜·欧曼警告人们停止遵循4%法则 她表示“在任何层面上我都不会使用4%这个数字” [1] - 欧曼认为该法则的问题在于 它可能导致人们在不需要用钱时仍从账户中提取资金 从而在未来真正需要资金时面临风险 [5] - 她举例说明 如果一直按4%提取即使并不需要这笔钱 那么当未来面临如长期护理等巨额开支时 退休账户可能因之前的提取而资金不足 [6] - 欧曼的核心建议是“你能不从退休账户中取出的钱越多 你的境况就越好” [6] 对欧曼观点的评价与替代方案 - 有分析认为欧曼的观点是正确的 即不应盲目遵循4%法则 尤其是在不需要动用这笔钱的情况下 [7] - 如果仅靠退休储备金的2%或3%就能舒适生活 那么仅仅因为一个默认法则而提取更多资金是短视的行为 因为保留储蓄通常比花掉更好 [7] - 其他证据也指出遵循4%法则可能是一个坏主意 [4]