Personal Finance
Decumulation Investing: How to manage your money after retirement
By Retire by 50  •  July 14, 2020
Most of my readers, including myself are at the age where we are very focused on wealth accumulation and equipping ourselves with the various capital-growth and income-generating assets.

Often, we forget to think about how to shift from wealth accumulation to wealth decumulation. This is an important change in our investment strategy when we transition to retirement.

What is wealth decumulation?

Unlike wealth accumulation where the focus is on maximising returns, wealth decumulation focuses on maintaining an income stream that will be used to fund for retirement expenses. Because of the change in investment purpose, the investment choices made will be targeted on assets that can support that income stream. A decumulating investment strategy requires a clear strategy around which asset to sell in order to fund retirement expenses and which asset to buy to continue to grow the investment portfolio so that the portfolio does not reduce to zero without taking on too much risk and volatility....
Read the full article
By Retire by 50
RetireBy50.me is a personal blog about my journey to retirement by the age of 50. At 31, I am a typical white-collar Singaporean who works regular hours in a job while looking for other opportunities to make more money during non-office hours. This blog will discuss the hits-and-misses encountered during my journey to free myself from the corporate rat race. Will I get there by 2033? Stay tuned.
LEAVE A COMMENT
LEAVE A COMMENT

Your email address will not be published.

*

Your Email Address will not be published
*

Read More Articles
More from thefinance