Uncle8888 agreed with the writer's view! Uncle8888 has been reading books on retirement planning from  NLB to prepare for his own retirement. This is one of the better models that he has discovered so far ... Read? Future Cash Flow For Retirement Life??? We shouldn't worry too much over asset-draw strategy as we certainly deserve to spend our own money in our lifetime and just leave behind whatever unspent. He is planning in terms of future Cash Flow for his retirement life without leaving lots of money not spent. The sources of his future cash flow will come from: 1) An investment portfolio that is generating just 4% yield p.a. at flat rate andnon compounding. It is far better to be conservative when planning for future. 2) Yearly partial asset drawn on CPF OA and cash FDs till the last withdrawal on2036 3) CPF RA, SA, MA and cash ......