Decumulation 101: the basics of drawing down capital in retirement | Zendy

Geoff Rashbrooke | Zendy

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Decumulation 101: the basics of drawing down capital in retirement

Author(s) -

Geoff Rashbrooke

Publication year - 2014

Publication title -

policy quarterly

Language(s) - English

Resource type - Journals

eISSN - 2324-1101

pISSN - 2324-1098

DOI - 10.26686/pq.v10i3.4498

Subject(s) - converse , context (archaeology) , economics , labour economics , investment (military) , work (physics) , capital (architecture) , business , engineering , biology , mathematics , history , archaeology , mechanical engineering , paleontology , geometry , politics , political science , law

The first question is whether decumulation is something that actually needs any policy attention. Since the answer to that question here is a qualified yes, the next part of this article outlines a number of decumulation methods, considering such matters as cost, risk and flexibility. The desirability of any form of decumulation to individuals will naturally vary according to their preferences in respect of those points. The article concludes by positing some public good components in respect of each decumulation method, and setting out some possible government interventions in response. Decumulation 101 the basics of drawing down capital in retirement

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