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Kiplinger
Kiplinger
Business
Christy Bieber

Morningstar’s 2026 Retirement Withdrawal Advice: Will It Work for Investors?

An illustration of the number 4 in an abstract style on a yellow background. .

Morningstar, a financial services firm and a trusted name in retirement planning, offers guidance that differs from the famous 4% withdrawal rule. We looked at research on that strategy to see how it panned out. We also reviewed this year's recommended rate.

The firm publishes an annual report, "The State of Retirement Income," which includes its own strategy for a safe withdrawal rate.

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