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 Ready for Retirement? Are you ready for retirement? Here are five words you should consider. IRA Withdrawals that Escape the 10% Tax Penalty The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.