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Recent Morningstar research shows that the 4% standard for in-retirement withdrawals may be a bit too aggressive.

Use our template to document your retirement assets, strategy, and spending system.

They can spend more from their nest eggs than first appears.

Link Copied Editor's note: This article first appeared in the Q2 2021 issue of Morningstar magazine. Click here to subscribe. With interest rates at unprecedented low levels, bond markets are in uncharted territory. As bond market theories struggle to keep pace, asset allocators and income investors must adapt in real time. This is a particularly challenging climate for those who need to live off their investments. The three panelists in this Morningstar Conversation bring three different perspectives. Michael Finke holds doctorates in both consumer sciences and finance and is professor of ...

A noted retirement researcher and financial planner discusses the benefits of Treasuries in retirement, putting guardrails around withdrawals, and why discretionary funds work.