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Retirement savings: 3% is the new 4%

It’s all relative. How much retirees can safely withdraw from their retirement account each year is a mostly a function of current stock values and interest rates, which tend to predict near-term returns. And when stock market valuations are well above and bond yields are well below their historical averages, as they are today, retirees should withdraw much less than 4% of their portfolio, assuming they want their nest egg to last over the course of their household’s lifetime. Read more…

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