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Withdrawing Your Retirement Savings

You proactively manage your retirement investment before retirement in the hope that you will have sufficient savings to cover the needs of your retirement life. During retirement, you will also need to plan the best way of using your savings.

In general, the retirement savings you have when you retire should be made up of the following three parts:

  • 1
    Cash sufficient to meet your short-term daily needs for about three to five years;
  • 2
    A moderate risk asset portfolio that can keep up with inflation for use in five years’ time (such as investment-grade bonds or Bond Funds, or endowment insurance policies); and
  • 3
    A moderately aggressive asset portfolio aimed at achieving a satisfactory value in the long term, for use in eight to ten years’ time (such as Equity Funds or Mixed Assets Funds).
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