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Morningstar Moments: The Latest Studies on Retirement Spending Rates and Financial Literacy

Have you seen Christine Benz's latest round of portfolio makeovers yet?

1) Defining a “Safe” Withdrawal Rate  


https://twitter.com/syouth1/status/1458783060942589955

When it comes to retirement spending rates, the standard rule of thumb has always been 4%. However, the “right” withdrawal rate mostly depends on one thing: the individual retiree. In a new study, Christine Benz, John Rekenthaler, and Jeff Ptak use forward-looking estimates for investment performance and inflation to explore withdrawal systems.  

2) Going Beyond the Books  


https://twitter.com/SamanthaLamas4/status/1456650713640095745

The reason behind many financial mistakes is financial literacy--or a lack thereof. Many traditional financial literacy programs have room for improvement to help keep investors on track. Making financial behaviors into habits and taking advantage of our technology are two of the ways Samantha Lamas found to make these programs more effective.  

3) Portfolio Makeover Week 2021  


https://twitter.com/christine_benz/status/1457724251159601153

Christine Benz’s most anticipated event of the year is here: Portfolio Makeover Week. As always, her portfolios feature a variety of investors and financial situations, from first-time parents with a $1.9 million portfolio to a new investor trying to balance her investing FOMO with almost 100 holdings.  

Stay in the loop with @MorningstarInc and our analysts: 
Jeff Ptak, chief ratings officer: @syouth1
Samantha Lamas, behavioral researcher: @SamanthaLamas4 
Christine Benz, director of personal finance: @christine_benz