Retiring with S$2 million in cash, SRS, CPF and stocks — which should you draw down first?Quite a few of you have asked me about this since the 4% rule article.Say you retire with S$2 million spread across cash, an SRS account, CPF and a brokerage account full of stocks.Which pot should you draw down first?Most people never plan this. They spend whatever feels most liquid and leave the SRS untouched “to compound tax-deferred” — because that is what many American retirement guides say to do.But on a S$400,000 SRS account, that instinct could cost you S$21,150 in tax.https://financialhorse.com/retiring-with-s2-million-in-cash-srs-cpf-and-stocks-which-should-i-draw-down-first/