Living in Retirement


Guidelines for retirement portfolio spending

November 25, 2015

How to switch gears after years of saving

After years spent saving for retirement, it can be tough to switch gears and start withdrawing from your portfolio. Maria Bruno, a senior retirement strategist with Vanguard, and Christine Benz, director of personal finance at Morningstar, share some guidelines to help you set a smart, sustainable spending strategy.

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Also of interest:


  • All investing is subject to risk, including the possible loss of the money you invest.
  • Please remember that all investments involve some risk. Be aware that fluctuations in the financial markets and other factors may cause declines in the value of your account. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income.
  • Diversification does not ensure a profit or protect against a loss.