Use our Income In Retirement Calculator.Try using Tideway’s drawdown calculator, or income in retirement calculator if you want to include ISA and GIA investments into your modelling. Plan your withdrawals based on realistic real returns – after fees and inflation, these should be in the 1-2% region not 6% or 8%. ![]() Such an account will also allow you to maintain a cash holding or very low risk investments like short dated bond funds which can be used to supplement portfolio income in the shorter term acting as a buffer. Funding withdrawals by selling investments at loss completely defeats the objective of investing to reap a better longer-term return and will rapidly accelerate the decline of your capital and account value.
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