Retirement income puzzle: How much can you withdraw from your kitty?

WHEN you retire, how much can you safely withdraw from your kitty to ensure your savings last as long as possible?

A financial adviser can easily model the future value of your portfolio and map your withdrawals in just a couple of clicks, plus advise you to adjust your asset allocation as you approach retirement.

But for do-it-yourself investors, continuing to invest, rebalance periodically, and later, withdraw for expenses in retirement can be tricky.