Your Portfolio Returned 8%. How Much Can You Actually Spend?
Hitting your desired retirement pot may not give you the security you want in retirement.
When people talk about retirement, they tend to have a golden number they're working towards.
"I need S$1 million."
"Once I have S$1.5 million, I'm handing in my resignation the next day."
That number becomes the motivation for years of discipline: going to work, saving diligently, investing every month, watching the figure inch closer. And once they hit it, retirement should be straightforward, or at least, that's the idea.
Yet a Manulife Asia Care Survey published in June 2026 found that 78% of Singapore respondents were concerned about outliving their savings.1
Which you might find strange, given that many people spend quite some time working out their "number". But here's the catch: how your finances will actually support your retirement spending cannot simply be boiled down to a single number. That would be way too easy, wouldn't it?...
