Average (Actual) Withdrawal Rates in 2025

Actual withdrawals are much lower than traditional rules of thumb — data from a recent study finds that many retirees are very cautious. Married retirees around age 65 with at least $100,000 in savings withdraw only about 2.1% of their portfolio per year, while single retirees average around 1.9% annually.
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These rates are well below the classic “4% rule,” illustrating that many retirees either don’t need to tap savings aggressively or are hesitant to spend from their nest egg.