#retirement-risk

#retirement-risk

Retirement planning is constantly changing. The advice that works in one decade may shift in the next, often driven by market conditions, interest rates, and expected long-term returns. One of the most debated topics in this space is the "safe" withdrawal rate - the percentage retirees can pull from their portfolios each year without running out of money. For decades, this figure has generally hovered around 4%, based on historical market performance and bond yields.