How to make your million-dollar retirement fund last

IMAGINE this: After decades of saving and investing, you’ve hit a milestone – S$1 million in your investment portfolio. Congratulations. You’ve done what most people only dream about.

But here’s the thing: the moment you stop working, a clock starts ticking. Every dollar you withdraw is a dollar that’s no longer compounding for you.

Take out too much, too fast, and you could outlive your money. Take out too little, and you’ll be penny-pinching through what should be your best years.