
The 4% Rule vs. the 4.7% Rule: How Much Can You Safely Spend in Retirement?
If you’ve been told to withdraw 4% of your savings each year in retirement, here’s something that may surprise you: the creator of the 4% rule now says it was too conservative. Bill Bengen has updated his research and raised his “safe” withdrawal rate to 4.7%. But the real lesson isn’t the new percentage—it’s that







