Effective Decumulation - How do we switch from being a saver to a spender?

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30 November 2023


We have spent most of our lives saving for retirement. But when retirement draws near, many of us do not know where and how to start enjoying the fruits of our labour. At what age should we start spending our retirement funds? Should we draw down from our CPF account first? How can our retirement nest egg last a lifetime?


In this episode, Lorna Tan, Head of Financial Literacy Training, DBS Bank, answers all our questions on spending our retirement funds wisely, also known as decumulation. 


The full podcast transcript (PDF, 0.1MB) is available.



Lorna Tan, Head of Financial Literacy Training, DBS Bank

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