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Investing Specialists

Retirees: Are You Spending Too Much?

The 4% guideline can put you in the right ballpark, but the best spending policies factor in time horizon, asset allocation, and market fluctuations.

Note: This article is part of Morningstar's January 2015 5-Point Retirement Portfolio Checkup special report.

How much can you spend in retirement without outliving your money? It's one of the most fundamental questions confronting anyone who's retired--or getting ready to.