Lau Poh Siong

02 Nov 2020

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What should I do if I managed to amass a few million in index funds via Endowus in 30 years time (I'll be 65). Should I withdraw all at one go or draw down a percentage slowly per month?

Discussion (5)

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Sean

02 Nov 2020

Do not withdraw more than 4% (safe withdrawal rate) every year to ensure that the 96% keeps growing and you should never have to work again. This person explains it better:

https://www.instagram.com/p/B-aV537HMh4/?tm_sou...

DYODD

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Ridhwan Muzaki

02 Nov 2020

As you hit retirement age, you might want more bonds:stock ratio for your investment.

I would gradually take out what i need per year for that retirement period and let the rest grow via fixed income.

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Sudhan

29 Oct 2020

Hi Lau Poh Siong, I'll say it all depends on your financial goals when you are 65 and whether you ha...

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I have a one million dollar 17 year residential property loan at 2.20% fixed for 2 years which I have served for 11 months. Is it worthwhile to refinance for 30 years at 1.9%?

What are your views on investing via Endowus Fund Smart - 30% FSSA Regional China and 70% LionGlobal Infinity Stock Index Fund?

Need help on fund selection. Cpf 60k via endowus on s&p500 recurring 1.5k monthly. Cash on hand around 75k park in UOB one acc. Stuck between choosing ixus Vs voo Vs qqqm. Any suggest in % allocation

I am currently investing $300 per month into ETF STI through DBS. I am a pretty low risk investor. If i carry on contributing this amount per month for the next 30 years (DCA method), will i gain?

If fund managers cannot consistently outperform the markets, why does Endowus choose to buy funds instead of the msci index or broad market index?