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Chart of the Day: 4.0% to 5.5% Rule

Crews Bank & Trust Wealth Management Services Oct 9, 2025
Bar graph illustrating the projected success of retirees' money lasting through their retirement years based on withdrawal percentages.

Contents

Today’s Chart of the Day is from an article called “Why the 5% Rule is the New 4%” by Nick Maggiulli and includes a chart from Bill Benger’s new book called A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More.
 
The chart shows the success rate of retirees' money lasting 30-years with various withdrawal rates. The rule of thumb originally postulated by Benger was that a 4% withdrawal gave a 90% chance you would not run out of money during your retirement years (based on 30 years.) 
 
In his new book, he updated the portfolio to 55% stock, 40% bonds, 5% cash portfolio, using more current returns, and this number has increased to a 5.5% withdrawal. Additionally, he noted that a 6% withdrawal equates to 75%, 7% equates to 45%, and 8% equates to 25%.
 
Chart of the Day

About the Author

Crews Bank & Trust Wealth Management Services
Crews Bank & Trust Wealth Management Services

Experienced professionals from our wealth management services team can help you achieve a bright financial future through investment strategies tailored to you. We’ll show you all of the options available and help you choose the ones best suited to you. We’ll provide high-quality, personal service as we work toward your goals together. Our Portfolio Managers do not receive commissions on trades; our recommendations of investments are based solely on your best interests.

Investments are not a deposit or other obligation of, or guaranteed by, the bank, are not FDIC insured, not insured by any federal government agency, and are subject to investment risks, including possible loss of principal.

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