New Research Challenges 4% Rule With Hybrid Approach
August 5, 2026 by Rob Burgess
For decades, the 4% withdrawal rule has been the gold standard for retirement spending. But new research is challenging that strategy with a hybrid approach.
The research from Mark Warshawsky, senior fellow at the American Enterprise Institute, and Gaobo Pang and commissioned by the American Council of Life Insurers, found that while the 4% plan works, it is not optimal.
Originally Posted at Think Advsior on Jul 30, 2026 by Rob Burgess.
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