Hi Uncle8888,
Hoho, don't think you'll need to decumulate your SA/OA for many years to come!
Unless you're helping your kids to buy properties 😬
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Read? My Sustainable Retirement Income For Life In Singapore - Panda/Koala Retail Investor And CPF Loving Citizen!!!
Read? Relating to SWR
ZERO compounding investment return
In addition to commonly known discussions on SWR and Bucket for FIRE or Retirement; how about transferring all investment income from investment portfolio during FIRE or retirement to Cash Reservoir. This model will more likely to be Safer Withdrawal Rate than Safe Withdrawal Rate by extending a few more years before executing SWR or decumulation of net worth's assets....