4% and Chill? Find Out If This Distribution Rule Fits Your Retirement

Rules text on wooden blocks.

Retirement planning can sometimes feel like trying to assemble IKEA furniture in the dark — stressful, confusing and full of variables you can’t control. Enter the '4% Rule': the retirement rule that suggests if you withdraw 4% of your nest egg in your first year of retirement (and adjust for inflation thereafter), your money should last for 30 years.

Does this classic strategy align with your long-term goals, or does the current economy demand a different approach? Use this quiz to decide if this strategy is right for you or if you should pivot toward a more adaptable approach.

More on the 4% Rule and Withdrawal Strategies, from the Kiplinger team:

• The 4% Rule for Retirement Withdrawals Gets an Upgrade
• Can the 'Guardrails Approach' Protect Your Retirement Investments?
• Retirement Calculator: How Much Do You Need to Retire?
• The 80% Rule of Retirement: Should This Rule be Retired?
• The '120 Minus You Rule' of Retirement
• The 'Die With Zero' Rule of Retirement
• The Rule of 240 Paychecks in Retirement
• The New Rules of Retirement