3 Tricky Decisions for Every Retirement Plan
Not even experts agree about the ‘right’ withdrawal rate, long-term-care insurance, and annuities.
Retirement Income
More on Retirement Income
Don Phillips: Encouraging Better Outcomes for Investors
Morningstar’s first fund analyst reflects on investing culture, stewardship, and long-term thinking.
How Much Should Retirees Worry About Inflation?
Inflation can strike fear into the hearts of retirees. Answering these 3 questions can help.
New Retirees: Prepare for the Possibility of a Lost Decade
A financial advisor’s view on negative or flat market returns and when to claim Social Security.
Adam Grossman: Asset Allocation Is an Investor’s Best Defense
A flat-fee financial advisor and columnist discusses why less complicated portfolios are usually best, how he addresses inflation risk in client portfolios, and his biggest worry for new retirees.
The Biggest Threat to Your Retirement Isn’t a Bear Market
The inventor of the 4% rule offers advice on how retirees can preserve their capital.
Bill Bengen: ‘Inflation Is the Greatest Enemy of Retirees’
The author and creator of ‘the 4% rule’ discusses the pros and cons of various withdrawal strategies and key risk factors facing retirees today.
Why I’ve Changed My Mind About Dividend-Paying Stocks
How I learned to stop worrying about retirees’ preference for spending dividends instead of capital gains.
Is Your Cautious Retirement Spending Doing More Harm Than Good?
For some retirees, underspending their retirement savings is a bigger problem than overspending.
What Is the ‘Retirement Risk Zone?’
Why the years just before and after retirement are especially vulnerable, and what investors can do to reduce sequence‑of‑returns risk.
Wade Pfau: Higher Bond Yields Are a Plus for Retirees
The retirement researcher weighs in on in-retirement asset allocation and the best ways to address sequence risk and shares his favorite retirement-spending system and longevity calculator.
Social Security Is Slowing Down. Here’s How to Get Your Benefits On Time
Staffing cuts and surging demand are driving delays for retirees. Here are tips to help you avoid long waits.
Retirement Plan Coming Up Short? Here’s How to Buy Yourself More Time
Plus, why a retirement expert says Social Security is ‘about as close to a guarantee as anyone can count on.’
What You Need to Consider Before Retiring Early
Both you and your portfolio should be ready for the transition.
Emily Guy Birken: What to Do in the Five Years Before You Retire
The author and retirement expert shares a punch list for near-retirees, how to play catch-up on retirement savings, and why she has changed her mind about long-term-care insurance.
Annuities Unveiled: A Guide to the Different Types of Annuities
Breaking down income annuities and savings annuities.
What You Need to Know About Annuities
Annuities come in many forms. Understand what you’re getting from these products.
How to Buy an Annuity
If you’ve decided to purchase an annuity, you’ll need to think through where to hold it, how much to annuitize, and when to make the buy.
How to Find Your Perfect Withdrawal Rate Strategy
These 6 steps help you arrive at a spending method that fits your situation like a glove.
How Retirees Can Defend Against Sequence Risk
Frameworks for sustainable withdrawal strategies, and how to plan for a potential reduction in Social Security benefits.
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