The 4% Rule is a widely recognized benchmark used by retirees to determine a sustainable withdrawal rate from their portfolio. Originally popularized by the Bengen study, the rule suggests that if you withdraw 4% of your total retirement savings in the first year—and adjust that amount for inflation every year thereafter—your nest egg should last at least 30 years. For those at Invesco Wealth, this rule serves as a "safety floor" to prevent outliving your money. While market conditions and longer life expectancies may require minor adjustments, the 4% Rule remains the gold standard for balancing a comfortable lifestyle with long-term capital preservation.

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Retirement Planning

Retirement Savings and Withdrawal Calculators