Personal Finance
What is the Safe Withdrawal Rate for CPF LIFE, Income from Rental Property and Dividend Stocks? – Reader Question
By Investment Moats  •  February 11, 2024
It is Da Nian Chu Er of our Lunar Chinese New Year. Here is wishing all the good health and good wealth. I hope all our portfolios don’t go to zero. I want to take things slower this Chinese new year and since I receive a question from an earnest member of my Singapore Financial Independence Community (if you wish to join the Telegram group, you can join here.) The person asks: At the risk of sounding stupid, can you answer a question that has bugged me for quite a while. The good old Singapore investment strategy of:
  1. $5,000 monthly CPF LIFE Payout (for a couple)
  2. Estimated $4,000 monthly property rental.
  3. Estimated $3,000 to $5,000 monthly dividend / interest / short term work.
How do you fit the Safe Withdrawal Rate (SWR) concept into the framework above? I failed to see how to fit it in. I do understand that the #2 and #3 above can fluctuate. But only in extreme cases it will go down...
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By Investment Moats
Investment Moats is set up by Kyith Ng and have been around since 2005. He aims to share his experiences making sense of money, how money works and ways to grow his money. It hopes that by sharing his experiences, both good and bad, season investors can advice and critique his decisions and new investors can learn from them and find their own style ...

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