How much can retirees safely spend from their portfolios?

Morningstar’s ‘The State of Retirement Income UK 2026’ report discusses safe portfolio withdrawal rates using forward‑looking market assumptions, updated inflation expectations, and rigorous Monte Carlo modelling, providing a practical benchmark for advisers at the point of retirement. The research shows that a 4.1% starting withdrawal rate remains a strong base case for UK retirees seeking stable, inflation‑adjusted income over 30 years, while demonstrating how flexible withdrawal strategies can increase sustainable income; alongside clear trade‑offs between spending, volatility, and legacy...