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class="h_subnav1"><a id="subnav_pf_5" class="h_subtab" href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/cover/invest-in-retirement.aspx">Invest in Retirement</a></li><li class="h_subnav1"><a id="subnav_pf_6" href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/cover/optimize-your-portfolio.aspx" class="h_subtab">Optimize your Portfolio</a></li><li class="h_subnav1"><a id="subnav_pf_7" href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/cover/minimize-taxes.aspx" class="h_subtab">Minimize Taxes</a></li></div><div id="subnav_discuss" class="h_SubNav" style="display:none"></div><div id="subnav_bonds" class="h_SubNav" style="display:none"></div> </div> </div> <div id="AutoCompleteDropDown"></div><script type="text/javascript">  </script> <link type="text/css" rel="stylesheet" href="https://web.archive.org/web/20130405061200cs_/http://im.mstar.com/im/PersonalFinance/pf_styles.css?v=2"/><div class="pfbodywrap"> <h1 class="headline" style="margin: 0px 0px 0px 20px;"> Invest in Retirement</h1> <div class="col21"> <div class="row22b"><div class="col1x1"><div class="text_a1"><div> PERSONAL FINANCE</div></div><div class="title_d1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=589929"> Health-Care Costs Often Overlooked as a Retirement Expense </a></div><div class="text_c2"> A recent survey found more than half of retirees and those still saving for retirement greatly underestimate the out-of-pocket tab.</div><ul class="sub_articles"><li><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=580488"> Health-Care Costs: Why Your Location Really Matters</a></li><li><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=537879"> Archive: Social Security and Medicare--Proper Planning</a></li><li><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=387992"> Archive: 7 Steps to Manage Rising Health-Care Costs</a></li><li><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=395731"> Medicare Enrollment Checklist</a></li></ul></div><div class="im2"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=589929" class="image"><img src="https://web.archive.org/web/20130405061200im_/http://im.mstar.com/im/newhomepage/healthcare6.jpg " alt="article image" height="78" width="78" border="0"/></a></div></div><div class="row22b"><div class="col1x1"><div class="text_a1"><div> RETIREMENT RADAR</div></div><div class="title_d1"><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/Cover/videoCenter.aspx?id=588373"> Worrisome Trends</a></div><div class="text_c2"> Morningstar's Christine Benz addresses who sequestration will and won't affect, changing prices for long-term care, and a timely mortgage-paydown strategy in this retirement news roundup. (Video) </div><ul class="sub_articles"><li><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=587493"> Is It Wise to Pay Extra on a Mortgage at Today's Low Rates?</a></li><li><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/all/viewnews.aspx?article=/mw/594b6270-86a0-11e2-9477-002128040cf6_univ.xml"> Women Face a New Long-Term Care Dilemma</a></li></ul></div><div class="im2"><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/Cover/videoCenter.aspx?id=588373" class="image"><img src="https://web.archive.org/web/20130405061200im_/http://im.mstar.com/im/newhomepage/women_retirement4.jpg" alt="article image" height="78" width="78" border="0"/></a></div></div><div class="row22b"><div class="col1x1"><div class="text_a1"><div> IMPROVING YOUR FINANCES</div></div><div class="title_d1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=583866"> How to Invest RMDs You Don't Need </a></div><div class="text_c2"> Morningstar's Christine Benz outlines four strategies that allow you to deploy unused IRA proceeds in an investment- and tax-savvy manner.</div><ul class="sub_articles"><li><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=566000"> How Much Will My RMDs Be?</a></li><li><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=578501"> Don't Rely on Brokerages or Fund Companies to Fix Your Missing RMDs</a></li><li><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=567501"> Get a Tax-Smart Plan for In-Retirement Withdrawals</a></li><li><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=577595"> Implementing a Total-Return Approach to Retirement Income</a></li></ul></div><div class="im2"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=583866" class="image"><img src="https://web.archive.org/web/20130405061200im_/http://im.mstar.com/im/78x78/authorid30.jpg" alt="article image" height="78" width="78" border="0"/></a></div></div><h2 class="headline_b1"> Morningstar Solution Center</h2><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/solutions/Solutions.aspx?docid=329417"> Retirement Strategies to Meet Your Income Goals</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/solutions/Solutions.aspx?docid=332023"> Determine Your Withdrawal Rate</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/solutions/Solutions.aspx?docid=332089"> Asset Allocation for In-Retirement Portfolios</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/solutions/Solutions.aspx?docid=332053"> Which Savings to Tap First</a></div><h2 class="headline_b1"> Morningstar Article Library</h2><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/articles/topics/retirement-planning.aspx"> Retirement Archives</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/articles/author/30-christine-benz.aspx"> Christine Benz Columns</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/topics/authors/christine-benz.htm?&mediatype=Video"> Christine Benz Videos</a></div><h2 class="headline_b1"> In Retirement Portfolio Planning</h2><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=582937"> Bucket Portfolio Maintenance: More Than One Way to Get It Done </a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=581065"> Time-Sensitive Materials: Act Now for Tax-Free IRA Withdrawals</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=580520"> FAQs About Retirement Portfolio Bucketing </a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=578819"> A Year-End Financial To-Do List for Retirees </a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=578501"> Don't Rely on Brokerages or Fund Companies to Fix Your Missing RMDs </a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=571749"> A Conservative Retirement Portfolio: The ETF Version</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=568221"> Best Practices for Bucketed Retirement Portfolios </a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/cover/videocenter.aspx?id=559727"> Tips on Handling Today's Retirement Challenges </a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=558303"> Keep Noncore Bond Investments in Their Place</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/Cover/videoCenter.aspx?id=557901&lineup=mconference"> Key Tools for a Tough Retirement Environment </a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=556974"> Essential Ingredients for Retirement Distribution Plans </a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/cover/videocenter.aspx?id=555952"> Retiree Survival Guide for Market Volatility</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=555708"> Streamlining Your In-Retirement Portfolio? You Can Only Take It So Far</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/archive/archive.asp?inputs=keyword=RETIREMENTPLANNING;sortField=publishDate;sortDirection=desc"> More...</a></div><h2 class="headline_b1"> Social Security & Medicare</h2><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=569960"> Not Shopping for Medicare May Cost You in 2013 </a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=569374"> Working Past 65? Don't Overlook the Financial Side Effects </a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=559915"> Stay a Step Ahead of the New Medicare Surtax </a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=559533"> Top 10 Myths About Social Security </a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=537879"> Social Security and Medicare: Proper Planning Pays Off Big</a></div><h2 class="headline_b1"> Income Investing</h2><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=533747"> Dividend Payers Hold Appeal, but Be Mindful of Risks</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=447084"> Affluent Retirees: Don't Rule Out Taxable Bonds</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=344236"> Income or Total Return? Retired Users Weigh In</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/cover/videocenter.aspx?id=342488"> Solutions to the Retirement Income Dilemma</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://socialize.morningstar.com/NewSocialize/blogs/conference2010/archive/2010/06/24/Big-Challenges_2C00_-No-Easy-Solutions_3A00_-Retirement-Experts-on-Income-Strategies-for-Retirees.aspx"> Income in Retirement: Big Challenges, No Easy Solutions</a></div><h2 class="headline_b1"> Annuities & Insurance</h2><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=578062"> Is an Annuity Right for You? </a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=565319"> How Are Annuity Payments Taxed? </a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=555051"> Seeking Pension Replacement in Retirement</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=346045"> Five Key Questions About Long-Term Care Insurance</a></div><div class="row_aa3 text_b1"><a href="javascript:void(0)" onclick="javascript:openVideoWindow('https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=386816');"> Four Strategies for Combating Low Annuity Yields</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=344434"> When Is the Right Time to Purchase Long-Term Care Insurance?</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=329545"> Annuities in Retirement Plans: Live Long and Prosper?</a></div><h2 class="headline_b1"> Estate Planning</h2><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/Cover/videoCenter.aspx?id=580672"> How to Stay Smart With Your Estate Plan</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=396778"> Key Questions for Your Legacy Conversation </a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=357162"> More Tips on Widow- or Widower-Proofing Your Portfolio</a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=354825"> Estate Planning: Prepare for the Worst </a></div><div class="row_aa3 text_b1"><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=314765"> Get Your Estate Plan in Gear</a></div><br/></div> <div class="col31"><div class="row11a"> <div class="col12"> <div class="section12 first"><a class="imgcontainer" href="income-worksheet.aspx"><img src="https://web.archive.org/web/20130405061200im_/http://im.mstar.com/im/PersonalFinance/retirement_worksheet_image.gif" border="0" height="130" width="175" alt="What's your policy?"/></a></div> <div class="calccontainer"><form name="calculator"><table border="0" cellpadding="0" cellspacing="0" width="175"><tbody><tr><td><h2 class="headline_b1" style="margin-top: 0px; line-height: 14px; padding-top: 2px;"> Retirement Savings Calculator</h2></td></tr><tr><td id="resultDisplay"><img src="https://web.archive.org/web/20130405061200im_/http://im.mstar.com/im/marketing/RetCal_Im1.gif" height="66" width="175" style="border-bottom: 3px solid #999; padding-top: 9px;"></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="175"><tr><td colspan="2" class="B1"> To find your target savings rate, provide your current: </td></tr><tr><td colspan="2" height="10"></td></tr><tr><td><span class="L1" style="float: left;">Age<br></span></td><td><select style="float: right;" name="age" class="L1" onchange="setIncomeOptions();"><option value="0" selected="selected" defaultdelected="">Select Age</option><option value="1">25</option><option value="2">27</option><option value="3">30</option><option value="4">32</option><option value="5">35</option><option value="6">37</option><option value="7">40</option><option value="8">42</option><option value="9">45</option><option value="10">47</option><option value="11">50</option><option value="12">52</option><option value="13">55</option><option value="14">57</option><option value="15">60</option></select></td></tr><tr><td colspan="2" height="8" style="border-bottom: 1px solid #dedede;"></td></tr><tr><td class="L1" style="float: left;"> Annual<br/> Income </td><td align="right"><select name="income" id="income" class="L1" onchange="document.calculator.savings.disabled=false" disabled="disabled"><option value="0" selected="selected">Select Income</option><option value="20000">$20,000</option><option value="40000">$40,000</option><option value="60000">$60,000</option><option value="80000">$80,000</option><option value="100000">$100,000</option><option value="120000">$120,000</option><option value="140000">$140,000</option><option value="160000">$160,000</option><option value="180000">$180,000</option><option value="200000">$200,000</option><option value="220000">$220,000</option><option value="240000">$240,000</option><option value="260000">$260,000</option></select></td></tr><tr><td colspan="2" height="8" style="border-bottom: 1px solid #dedede;"></td></tr><tr><td class="L1"> Retirement<br> Savings </td><td align="right"><select name="savings" id="savings" class="L1" onchange="enableButton()" disabled="disabled"><option value="0" selected="selected">Select Savings</option><option value="10000">$10000</option><option value="20000">$20000</option><option value="30000">$30000</option><option value="40000">$40000</option><option value="50000">$50000</option><option value="60000">$60000</option><option value="70000">$70000</option><option value="80000">$80000</option><option value="90000">$90000</option><option value="100000">$100000</option><option value="110000">$110000</option><option value="120000">$120000</option><option value="130000">$130000</option><option value="140000">$140000</option> <option value="150000">$150000</option><option value="160000">$160000</option><option value="170000">$170000</option><option value="180000">$180000</option><option value="190000">$190000</option><option value="200000">$200000</option><option value="210000">$210000</option><option value="220000">$220000</option><option value="230000">$230000</option><option value="240000">$240000</option><option value="250000">$250000</option><option value="260000">$260000</option><option value="270000">$270000</option><option value="280000">$280000</option><option value="290000">$290000</option><option value="300000">$300000</option><option value="310000">$310000</option><option value="320000">$320000</option><option value="330000">$330000</option><option value="340000">$340000</option><option value="350000">$350000</option><option value="360000">$360000</option><option value="370000">$370000</option><option value="380000">$380000</option><option value="390000">$390000</option><option value="400000">$400000</option><option value="410000">$410000</option><option value="420000">$420000</option><option value="430000">$430000</option><option value="440000">$440000</option><option value="450000">$450000</option><option value="460000">$460000</option><option value="470000">$470000</option><option value="480000">$480000</option><option value="490000">$490000</option><option value="500000">$500000</option><option value="510000">$510000</option><option value="520000">$520000</option><option value="530000">$530000</option><option value="540000">$540000</option><option value="550000">$550000</option><option value="560000">$560000</option><option value="570000">$570000</option><option value="580000">$580000</option><option value="590000">$590000</option><option value="600000">$600000</option><option value="610000">$610000</option><option value="620000">$620000</option><option value="630000">$630000</option><option value="640000">$640000</option><option value="650000">$650000</option><option value="660000">$660000</option><option value="670000">$670000</option><option value="680000">$680000</option><option value="690000">$690000</option><option value="700000">$700000</option><option value="710000">$710000</option><option value="720000">$720000</option><option value="730000">$730000</option><option value="740000">$740000</option><option value="750000">$750000</option><option value="760000">$760000</option><option value="770000">$770000</option><option value="780000">$780000</option><option value="790000">$790000</option><option value="800000">$800000</option><option value="810000">$810000</option><option value="820000">$820000</option><option value="830000">$830000</option><option value="840000">$840000</option><option value="850000">$850000</option><option value="860000">$860000</option><option value="870000">$870000</option><option value="880000">$880000</option><option value="890000">$890000</option><option value="900000">$900000</option><option value="910000">$910000</option><option value="920000">$920000</option><option value="930000">$930000</option><option value="940000">$940000</option><option value="950000">$950000</option><option value="960000">$960000</option><option value="970000">$970000</option><option value="980000">$980000</option><option value="990000">$990000</option><option value="1000000">$1000000</option></select></td></tr><tr><td colspan="2" height="8" style="border-bottom: 1px solid #dedede;"></td></tr><tr><td colspan="2"><img id="btnImage" src="https://web.archive.org/web/20130405061200im_/http://im.mstar.com/im/marketing/RetCal_SubBttn2.gif" id="submitBtn" border="0" height="21" width="175" style="padding-top: 7px; padding-bottom: 7px;"></td></tr><tr><td colspan="2"><img src="https://web.archive.org/web/20130405061200im_/http://im.mstar.com/im/marketing/RetCal_SubBttn.gif" id="submitBtn" onclick="calculateSavings()" usemap="#Map" style="display: none; padding-top: 7px; padding-bottom: 7px;" border="0" height="21" width="175"></td></tr><tr><td colspan="2" class="dottedline"></td></tr><tr><td colspan="2" class="L1a"> Based on <a class="L1a" href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/articlenet/article.aspx?id=193971" target="_blank">a study</a> by Ibbotson Associates. </td></tr><tr><td colspan="2" height="8"></td></tr></table></form></div> <div class="section12"><div class="headline_b1"> Retirement Tools</div><a href="https://web.archive.org/web/20130405061200/http://screen.morningstar.com/IRA/IRACalculator.html" class="slink11">IRA Calculator</a><a href="https://web.archive.org/web/20130405061200/http://portfolio.morningstar.com/RtPort/Reg/AllView.aspx" class="slink11">Portfolio Manager</a><a href="https://web.archive.org/web/20130405061200/http://screen.morningstar.com/BondCalc/BondCalculator_YTM.html" class="slink11">Bond Calculator</a><a href="https://web.archive.org/web/20130405061200/http://screen.morningstar.com/AssetAllocator/AssetAllocator.html" class="slink12">Asset Allocator </a><a href="https://web.archive.org/web/20130405061200/http://portfolio.morningstar.com/NewPort/Reg/PortAllocDisclaim.aspx?dt=0.7055475" class="slink11">Portfolio Allocator</a><br/></div> <div class="section12"><div class="headline_b1"> Retirement Classroom</div><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/classroom2/course.asp?docId=4581&page=1&CN=COM" class="slink11">Get More Conservative</a><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/classroom2/course.asp?docId=4590&page=1&CN=COM" class="slink11">Making a Drawdown Plan</a><a href="https://web.archive.org/web/20130405061200/http://news.morningstar.com/classroom2/course.asp?docId=4569&CN=COM&page=1" class="slink11">Income Alternatives</a><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/cover/classroom.html" class="slink11">Course Catalog </a><div style="clear: both; display: inline;"></div></div> <div class="section12"><div class="headline_b1"> Retirement Videos</div><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/cover/videocenter.aspx?id=586589" title="Vanguard's John Ameriks says annuities carry much value, but real-world issues and other disincentives make the products undesirable for many retirees."><img src="https://web.archive.org/web/20130405061200im_/http://im.mstar.com/im/videocenter/130222_ameriks2_largethumb.jpg" height="98" width="175" alt="Reasons Retirees Avoid Annuities" border="0"/></a><img src="https://web.archive.org/web/20130405061200im_/http://im.mstar.com/im/thumbctrls.gif" border="0" width="175" height="15"/><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/cover/videocenter.aspx?id=586589" title="Vanguard's John Ameriks says annuities carry much value, but real-world issues and other disincentives make the products undesirable for many retirees." class="row31a titlex2"> Reasons Retirees Avoid Annuities</a><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/cover/videocenter.aspx?id=572199" title="The well-known retirement rule of thumb is still a reasonable starting point, but investors will want to customize their strategy based on investment expenses, their time horizon and allocation, market performance, and more, says Vanguard's Maria Bruno." class="row31a text14"> Is the 4% Withdrawal Rule Still Viable?</a><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/cover/videocenter.aspx?id=568802" title="Plus, Christine Benz answers a reader question about tamping volatility when using a total return approach in retirement, and suggests a couple of very long-term retirement fund picks." class="row31a text14"> Clearing Up Confusion on the 4% Rule</a><a href="https://web.archive.org/web/20130405061200/http://www.morningstar.com/cover/videocenter.aspx?id=568323" title="Investors should study the broad spending trends and weigh the trade-offs when they plan for income replacement at different stages of retirement, says Pinnacle Advisory Group's Michael Kitces." class="row31a text14"> Calibrating Income Replacement in Retirement</a><a 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