What is Different about Decumulation?

Decumulation is not simply the reverse of accumulation. At the heart of the challenges of decumulation in retirement is the increased variety of events that can lead to the compounding of returns being interrupted, Charles Wu and Michael Berg write in this Op-ed Compounding of investment returns for as long as feasible remains critical to success across many decumulation situations, including retirement solutions, closed defined benefit funds, insurance run-offs, redress schemes and environmental remediation funds. To illustrate the potential time frames, the Australian Bureau of Statistics estimated in 2022 that “today, a 65-year old Australian male can expect to live

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