Why new retirees may need to rethink the 4% rule

Key Points

The 4% withdrawal rule is a popular retirement strategy that helps investors withdraw money safely from their accounts, with low odds of running out of money later.
Lower expectations for long-term stock, bond and cash returns means new retirees may need to proceed a bit more cautiously, according to Morningstar.
There are ways retirees can be more flexible with their spending, experts said.

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