Andrew Angelov / Shutterstock.com Quick Read The 4% withdrawal rule may leave retirees short on income despite being a common benchmark for retirement planning. A stock-heavy portfolio could support a 6% annual withdrawal rate instead of 4%. Retirees pursuing higher withdrawal rates should keep two years of living expenses in cash as protection against market downturns. Some investors get rich while others struggle because they never learned there are two completely different strategies to buildin ...