If you want to plan for your own finances and retirement without having to speak with a financial advisor, check out this FREE online calculator. Go ahead: download and try it out for yourself! Recent events have led to increased volatility in stock markets and a flight to safe assets such as gold. While this could be a good thing for younger investors with a longer time horizon to capitalize on these market swings, retirees or near-retirement workers have been badly affected – especially for those who were relying on dividend payouts to fund their retirement lifestyle. Even those who had a (previously considered strong) plan for a 4% annual drawdown from their investment portfolio weren’t spared, as stocks headed south and wiped out both capital appreciation and dividends. Even our own blue-chips in Singapore were affected, and in the past few months alone we’ve seen several bad news for investors, including:...