The State of Retirement Income for 2026
Understand how to maximize retirement income with safe withdrawal updates and dynamic strategies.
Today’s investors have come to know too well that the market can be unpredictable, highlighting the importance of formulating a sound retirement portfolio. While the 4% rule is a widely accepted guideline for a safe withdrawal rate, our latest research indicates that retirees can withdraw as much as 3.9% in 2026—though they may be able to withdraw more depending on their strategies and spending/ending ratios. So how can investors determine the right approach for their retirement goals?
From considering risk factors like high inflation to determining social security benefits, planning for retirement involves many moving parts. Morningstar’s latest edition of our State of Retirement Income report breaks down what investors need to know including retirement drawdown rates, dynamic retirement spending methods, the role of taxes on a retiree’s income, and more.
Download the report to explore actionable insights that can help financial professionals create a sustainable retirement strategy for clients.
