What’s retirement decumulation, exactly?

You’ve spent your life saving up for retirement — that’s accumulation. Decumulation is then the process of spending that money down in your retirement. Think of decumulation as turning your nest egg into a monthly paycheck to live on in retirement. The amount you can or should spend every month will change, based on your goals and needs at any given time. There are many different ways to approach decumulation, and your approach should be tailored to your specific needs—that’s where Retirable comes in. The standard methodologies are one-size-fits-all models, but everyone’s retirement looks different. Through tailored investment allocations, tax optimizations, and withdrawal schedules, you can better match your decumulation spending to your lifestyle and make your money last.

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Retirable, Inc. ('Retirable') is an SEC registered investment adviser. By using this website, you accept our Terms of Use and Privacy Policy. Retirable provides holistic retirement planning services, which are available only to residents of the United States. You must be at least 18 years of age to become a Retirable Premium user. Nothing on this website should be considered an offer, solicitation of an offer, or advice to buy or sell securities.

Investing involves risk and past performance is not indicative of future results. Increased spending increases the risk of depleting your savings and performance is not guaranteed. It is very important to do your own analysis before making any decisions based on your own personal circumstances.

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