Stay nimble
Stay nimble
Instead of relying on one withdrawal rate, says Vanguard's Maria Bruno, "be flexible and make adjustments along the way."

When markets do well, you could take out 5% or 6%. In down times for stocks, dial back. Once a year, sit down with a calculator -- try the Fidelity Income Strategy Evaluator at Fidelity.com -- and come up with a safe withdrawal amount based on your expenses and your portfolio's performance.


By Donna Rosato @Money - Last updated April 04 2012: 6:46 PM ET
Join the Conversation
Find Homes for sale
  • Property Type
  • Find a home in:
    New York | Atlanta | Chicago | Los Angeles
    Washington D.C | Houston | Philadelphia | More options

Most stock quote data provided by BATS. Market indices are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer.

Morningstar: © 2014 Morningstar, Inc. All Rights Reserved.

Factset: FactSet Research Systems Inc. 2014. All rights reserved.

Chicago Mercantile Association: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved.

Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S&P Dow Jones Indices LLC and have been licensed for use to S&P Opco, LLC and CNN. Standard & Poor's and S&P are registered trademarks of Standard & Poor’s Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones branded indices © S&P Dow Jones Indices LLC 2014 and/or its affiliates.