Sustainable Withdrawal for Different Phases Of Retirement

In this video, I illustrate the impact of scaling up/down income withdrawal from a portfolio at different phases of retirement.

Research in the UK and US shows that spending in retirement declines progressively in real terms. As people get older, they spend progressively less! From age 65, spending typically declines progressively and is about 35% lower at age 80. Researchers identified 3 unique phases of retirement dubbed:

  • The Go-Go years, the active first decade of retirement,
  • The Slow-Go years, the less active second decade of retirement, and
  • The No-Go years, the final decade of retirement when most discretionary spending stops

So, how can we apply this idea to the discussion on sustainable withdrawal from a retirement portfolio?


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