Retirement Income

Here’s what you need to know about some of the most popular retirement portfolio strategies.

GLWBs provide lifetime annuity income, while allowing you to control your assets.

A new wave of target-date strategies with annuities is here.

We look at the costs and benefits of using annuities to increase income in retirement.

Learn how to supplement your retirement funds with consistent income from annuities.

To understand whether these complicated products might suit you, start with the goals you have for your money.

Nonportfolio income sources like Social Security and annuities can help investors during periods of market volatility.

Plus, what to consider before buying an annuity or deciding when to begin Social Security.

How to navigate your benefits during the recent turmoil at the Social Security Administration.

An author and financial planner discusses investment and personal finance considerations for ‘childfree’ adults.

Let’s stop bickering about the ‘right’ way to generate retirement cash flows.

Tips for retirees who are worried about their spending as stocks lose ground.

How does an income-centric approach compare with a total return strategy?

Retirees who avoid investment losses in the first five years of retirement are much less likely to outlive their savings.

Exploring the different strategies that retirees can use to determine the appropriate withdrawal rates for their portfolios.

And how not to!

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.

Our research settled on a 3.7% safe withdrawal rate, but retirees can employ simple strategies to spend more.

New Morningstar research suggests that in some cases, the advantage of delayed filing may be overstated.

Divorce later in life carries emotional and financial challenges.