Morningstar's 2026 Safe Withdrawal Rate: 3.9% for a 30-Year Retirement
ByAinvest
Thursday, Jan 29, 2026 10:11 pm ET1min read
MORN--
Morningstar analysts project a "safe" starting withdrawal rate of 3.9% for retirees in 2026, assuming a 30% to 50% equity allocation and an inflation-adjusted withdrawal strategy. This rate is up 20 basis points from last year and represents the highest rate with a 90% chance of having some money at the end of a 30-year retirement.
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