William P. Bengen’s Newest Updates: How Retirees Can Safely Withdraw 4.7% or Even 5.5% Ep. 33
William Bengen retirement withdrawal strategies have shaped how millions plan for retirement. Known as the creator of the famous 4% Rule, Bengen now reveals new research that challenges the old standard. In this episode of the Ideas by Mike™ Podcast, Mike Milligan, CFP®, asks the key question: is 4% rule still safe in 2025?
Bengen explains why his updated research supports a 4.7% withdrawal rate, when retirees might take even 5.5%, and how diversification, inflation, and market conditions impact retirement success.
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👤 About Our Guest: William P. Bengen
William P. Bengen is the pioneering financial planner who first formulated the now-famous “4 % Rule” for retirement withdrawals and coined the term “SAFEMAX.” With over 30 years of research on maximizing sustainable income in retirement, he’s updated the rule to 4.7 % in his new book A Richer Retirement. Bengen holds a B.S. in Aeronautics & Astronautics from MIT and an advanced degree in financial planning, and runs a website where he shares his charts, tables, and ongoing research.
If you want to dive deeper into Bengen’s research? Visit his website: https://www.bengenfs.com/
To explore free retirement planning charts, and grab his new book A Richer Retirement on Amazon to learn how to supercharge the 4% Rule, click this!
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Intro and Outro Music: “Podcast Interview Background Music” by Ievgen Poltavskyi (HitsLab) via Pixabay
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