Retiring the 4% Rule A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement. Share | Have A Question About This Topic? Address Thank you! Oops! Related Contents Consequences Make more informed financial decisions with the W&R Wealth Management Site. I can show you how. How Will Working Affect Social Security Benefits? Knowing the rules may help you decide when to start benefits. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.