Topic

Retirement Withdrawals

2 articles

Flexible Retirement Withdrawals: How Guardrails and Dynamic Spending Work

A fixed withdrawal rule is simple, but real retirements are not. Dynamic strategies, including guardrails, percentage-of-portfolio and floor-and-ceiling approaches, adjust spending as markets move. This explainer compares how they work, what they trade off, and who they tend to suit.

October 23, 2026 6 min read

Retirement

Sequence of Returns Risk: Why the Order of Market Returns Matters

Two retirees can earn the same average return and end up in very different places, because the order of good and bad years matters once withdrawals begin. Here is how sequence of returns risk works, a worked example, and the tools retirees and planners use to manage it.

October 21, 2026 6 min read