What Is the Average 401(k) Withdrawal Rate for Retirees in 2025?

Ridofranz / Getty Images Vanguard reports that one in four retirees don't touch their retirement savings at all during the first five years after leaving work. Key Takeaways Recent research shows that married retirees withdraw about 2.1% of their savings annually, while spending 80% of their guaranteed income, like Social Security. Morningstar's latest analysis suggests retirees can safely withdraw 3.9% to start, close to the classic 4% annual withdrawal rule Those willing to adjust spending based on ...