4%法则是由财务规划师William P Bengen在1994年首次提出，用于计算退休支出。具体来看，就是退休第一年的开支不超过投资组合的4%，此后每年根据通胀率进行调整，按照这一取款率这笔退休储蓄可以安全地支付余生的退休开销。这一法则是根据过去50年股票和债券收益率的历史数据创建的。按照Bengen的计算，退休后大约30年的时间内，4%法则都绝对安全，并且多年来他一直在更新他的发现，他的这一取款率也被多家大型金融公司所采纳。尽管如此，4%法则并不是完美的。你可以把它作为一个经验法则，但切勿刻舟求剑，过去成功的经验不能保证在变化后的时代依然适用。
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