TThis is the third annual spending withdrawal from the portfolio – our try to simulate what a budget of moderate means can fund their retirement through their ISAs and SIPPs.
So it is time again for our model retirement couple to work out how much they’ll withdraw from their portfolio without:
![Decumulation strategy: Withdrawal from the No Cat Food portfolio within the third 12 months [Members]](https://i1.wp.com/monevator.com/wp-content/uploads/2026/03/NCF-asset-class-returns_2024_26.png?ssl=1 "Decumulation strategy: Withdrawal from the No Cat Food portfolio within the third 12 months [Members]")
