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Navigating the Future of Retirement Income: Trends, Strategies, and Insights

Morningstar, Inc.

Feb. 28, 2025
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What is the highest safe starting withdrawal rate? Morningstar’s latest State of Retirement Income report finds that retirees can withdraw as much as 3.7% as an initial spending rate for a 30-year horizon, factoring in current conditions such as high equity valuations and low bond yields.

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