In this Market Commentary, CIO Ken Frier explains why the traditional 4% retirement withdrawal strategy may no longer fit today’s market conditions-and how an approach which adapts to changes in assets, market conditions and time horizon can substantially improve the standard of living in retirement while also enhancing safety.

Learn:

• Where the 4% Rule came from
• Why retirees may be underspending
• How asset allocation, market conditions, and time horizon impact safe withdrawal rates
• A smarter, dynamic rule for spending retirement savings

Bottom line: A fixed rule may limit your retirement. Adjusting spending based on real-time conditions can lead to better outcomes.