Welcome to PGIM. This page is intended for Borrowers. Change your role here.
You are attested as an Institutional Investor, but this page is intended for a Borrower. Change your role here.
You are attested as a Financial Advisor / Intermediary, but this page is intended a Borrower. Change your role here.
You are attested as an Individual Investor, but this page is intended for a Borrower. Change your role here.
You are attested as an Institutional Investor, but this page is intended for a Borrower.
You are attested as a Financial Advisor / Intermediary, but this page is intended a Borrower.
You are attested as an Individual Investor, but this page is intended for a Borrower.
Are "safe" initial withdrawal rates, such as the "4% rule," still the best guide for retirement spending? We believe it's time for a change. Our research offers a fresh perspective on portfolio withdrawal rates by integrating spending flexibility (i.e., dynamic withdrawals) and an outcomes metric that better captures the anticipated retiree sentiment regarding various potential outcomes. Our model goes beyond the basic metrics, which often only measure success or failure, to introduce a series of portfolio withdrawal rates that we believe are a better starting place for retirees - what we call our "guided spending rates."
PGIM DCS – 4661500
Head of Retirement Research, Prudential Financial and Portfolio Manager, PGIM
david.blanchett@pgim.com
Read More keyboard_arrow_right
Read More keyboard_arrow_right
PGIM appreciates your trust and respects your privacy. We use cookies to improve your experience. You can manage your cookie settings and learn more about how we protect your information at the PGIM Privacy Center.
*This website uses cookies
PGIM appreciates your trust and respects your privacy. We use cookies to improve your experience. You can manage your cookie settings and learn more about how we protect your information at the PGIM Privacy Center.
This field is required.
Loading terms...
Terms and Conditions could not be loaded. Please contact your system administrator.