Learn about the Guardrails Approach, its benefits, implementation, comparison to other strategies, and the importance of management and monitoring.

Financial personality Suze Orman has questioned whether the traditional 4% rule, a decades-old retirement planning guideline, is still safe to apply rigidly in today’s environment. The rule suggests ...

Confused about retirement savings options? Discover how Retirement Annuities and Tax-Free Savings Accounts can work together as complementary products to maximise your retirement nest egg while ...

The 4% Rule is arguably the most famous strategy for making sure your retirement income lasts long. Developed in the 1990s, it offers an evidence-based answer to most retirees’ question: “How much can ...

Withdrawal strategies in retirement can feel tricky because no one wants to outlive their savings. There are enough withdrawal strategies to provide something for everyone. You don't have to stick ...

Once in retirement, a fundamental shift generally occurs to ensure accumulated assets be distributed sustainably over an uncertain time horizon.

Recent research supports moving away from rigid withdrawal rates. Morningstar’s December 2025 analysis recommends a 3.9% starting safe withdrawal rate for new retirees with a 30-year horizon—not 4%.

Morningstar’s new analysis suggests retirees can start with one withdrawal rate and adjust for inflation, but taxes, fees, and portfolio mix still matter.

Peter Gratton, Ph.D., is a New Orleans-based editor and professor with over 20 years of experience in investing, economics, and public policy. Peter began covering markets at Multex (Reuters) and has ...

One of the most common and emotionally loaded questions retirees ask is how long will my money last in retirement. It’s a ...

For the past 15 years, investors have been rewarded for doing one thing well: owning the S&P 500. Read more here.