Post-retirement investing: How much to put in and take out

A downturn early in your retirement years can hurt your portfolio, but good returns early in retirement can really help

As Singaporeans live longer, how many years in retirement should you plan for? Research says there is a 56 per cent chance that a 65-year-old couple could live beyond 90 and a 7 per cent chance of living past 100.
As Singaporeans live longer, how many years in retirement should you plan for? Research says there is a 56 per cent chance that a 65-year-old couple could live beyond 90 and a 7 per cent chance of living past 100.ST PHOTO: NG SOR LUAN

There is a wealth of literature and products to help you save for retirement but not much is written on how to ensure you don't outlive your resources.

How will you invest your assets for the years when income from work ceases? How much can you withdraw to ensure you don't outlive your savings? What happens if there is a major downturn just as retirement begins?

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A version of this article appeared in the print edition of The Sunday Times on January 27, 2019, with the headline 'Post-retirement investing: How much to put in and take out'. Subscribe