William Bengen
Financial planner whose research established 4% as the safe withdrawal rate in retirement. Author of the book “A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More.”
Best podcasts with William Bengen
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58 snips
Aug 30, 2025 • 23min
The Father of the 4% Rule Says Retirees Can Withdraw Much More
William Bengen, a financial planner known for creating the 4% withdrawal rule, reveals that retirees can actually withdraw more than they thought. He discusses how market conditions and inflation significantly impact safe withdrawal rates. Bengen challenges the traditional 4% guideline, suggesting a new maximum of 4.7%. He also explores optimal stock allocations for retirees and the importance of flexibility and diversification in retirement portfolios, providing innovative strategies for enjoying a richer retirement.
13 snips
Sep 9, 2025 • 39min
Episode 195: The 4% Rule and Beyond: Retirement Strategies with Bill Bengen
William Bengen, a retired financial planner and aerospace engineer, revolutionized retirement planning with the 4% rule. He explains how inflation and market valuations critically affect sustainable withdrawal rates. Bengen emphasizes the need for a comprehensive withdrawal plan and recommends adjusting strategies to around 5.5% for today's economic climate. Listeners learn about the importance of asset allocation and regular monitoring of retirement plans. He also discusses strategies to navigate market volatility and the necessity of continuous adjustments for a secure financial future.
