Topic: Income
2 posts tagged “Income”.
Floor and Upside
Separate needs from wants. Build a floor of guaranteed income that covers the essentials — from CPF LIFE, annuities and bonds — and take investment risk only with the money above it. Securing the floor first is what lets you stay invested, and stay calm, with the rest.
Total Return, Not Just Yield
Many retirees want a pot that "pays an income". Chasing yield quietly concentrates risk. The endowment habit is to spend from total return — income plus capital growth — and let a spending rule, not the dividend cheque, decide what you draw.