How the 4 Percent Rule Holds Up in 2026

In this episode of Retirement Planning with Fexingo, hosts Lucas and Luna examine the famous 4% withdrawal rule in the context of mid-2026 market conditions — elevated bond yields, persistent inflation around 3.5%, and equity valuations near historical averages. They walk through a concrete example: a retiree with a $1.2 million portfolio aiming for $48,000 in annual income. Lucas explains why the rule may need adjustment today, citing research from the Trinity Study authors and recent updates from Morningstar. Luna pushes back on the idea that a fixed percentage works for everyone, pointing to sequence-of-returns risk and variable spending strategies. The episode offers practical guardrails for retirees and near-retirees, including dynamic withdrawal methods and the role of annuities as a floor. A subtle donation segment ties the value of independent retirement research to listener support. #4PercentRule #RetirementWithdrawal #TrinityStudy #SequenceOfReturnsRisk #Morningstar #SafeWithdrawalRate #DynamicSpending #Annuities #RetirementIncome #Inflation2026 #BondYields #PortfolioManagement #Finance #RetirementPlanning #FexingoBusiness #BusinessPodcast #LucasAndLuna #Fexingo Keep every episode free: buymeacoffee.com/fexingo