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?

Abraham is the Founder and CEO of Timelineapp. He has authored the Beyond the 4% rule book, written several industry papers and delivered many talks. He holds a master’s degree from Coventry University and an alphabet soup of designations, including the Investment Management Certificate, Chartered Financial Planner and Chartered Wealth Manager.


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