Motley Fool Urges 4% Rule for $300,000 Retirees as Delayed Social Security Adds 8%

3 articles · Updated · The Motley Fool · Jun 17

$300,000 in retirement savings can still last if withdrawals are kept near 4% a year for a balanced stock-bond portfolio over an average retirement, the report says.
More conservative investors or earlier retirees may need to trim that rate to 3.3% or 3.5% to reduce the risk of depleting savings over 20 to 30 years.
Supplemental income is the other key lever: retirees can keep working, take gig jobs, start a business, or rent out part of a home.
Social Security can further stretch the nest egg because benefits rise 8% for each year a claim is delayed past full retirement age.

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