on March 17, 2026
This is the third annual expenses withdrawal from the No Cat Food portfolio – our stab at simulating how a household of moderate means can fund their retirement from their ISAs and SIPPs.
So it’s finger-in-the-air time again for our model retirement couple, as they attempt to divine how much they can withdraw from their portfolio without:
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![Decumulation strategy: year 3 withdrawal from the No Cat Food portfolio [Members] Decumulation strategy: year 3 withdrawal from the No Cat Food portfolio [Members]](https://smartspendcentral.com/wp-content/uploads/2026/03/Decumulation-strategy-year-3-withdrawal-from-the-No-Cat-Food-1024x644.png)