TIME

Low rates are changing the rules of retirement

MILLIONS OF INVESTORS HAVE HEARD THE SAME TWO pieces of retirement advice: your portfolio should be split 60/40 between stocks and bonds, and you should plan on withdrawing no more than 4% of your savings annually after leaving work.

Following those rules may have been wise in the past, but experts say they don’t hold up in today’s world of staggeringly low interest rates. And with the Federal Reserve’s

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