Withdrawal strategies refer to methods used to manage the distribution of funds from retirement accounts or investment portfolios. These strategies help individuals determine how much money to withdraw regularly while ensuring that their savings last throughout their retirement. Common approaches include the 4% rule, which suggests withdrawing 4% of the initial portfolio balance annually, adjusted for inflation. Another popular method is the bucket strategy, where funds are divided into different "buckets" based on time horizons and risk levels. Short-term buckets may hold cash or low-risk investments, while long-term buckets can include stocks or higher-risk assets, allowing for growth over time.