Previously, we looked at how people spend in retirement, and found that despite most of the retirement products ad plans giving either a flat level of spending, or an inflation adjusted level of spending, no one actually spends in retirement in such way! While it is entirely possible to generate different sustainable profiles from an investment portfolio, a better idea is combining CPF Life with investments. In fact, what we find is that you will always be better off when you combine a CPF Life Escalating Plan with spending from an investment portfolio, and can not only decide on the spending profile you’d prefer in retirement, but also how much you aim to have as an emergency fund or as a legacy.

After a lifetime slogging and socking away money into investments, retirement beckons! Will retirement be a long period of idle bliss, where you fulfill your “bucket list”