Akwantuo a ɛkɔ Sikasɛm mu Ahofadie (FI) no gyina akontabuo mu abusuabɔ a ɛda nneɛma a wɔde di dwuma dodoɔ, sikakorabea a wɔkyekyɛ no nnam, ne agyapadeɛ a ɛkɔ so nya nkɔsoɔ ntam. Ɛdenam nhyehyɛe a wɔbɛma ayɛ yiye wɔ nsonsonoe a ɛda nsuten a ɛba ankasa ne asetra mu nneɛma a wɔde di dwuma ntam no so no, ahonyade adansifo bue kapital blocks a wɔahyɛ sɛ wɔde bɛbɔ gua so nhyehyɛe a ɛyɛ den nkutoo.
Saa akyidi nhyehyɛe yi de abakɔsɛm mu agyapade a wɔsɛe no ho nsɛm di dwuma de hu beae a portfolio nkɔso organically matches baseline annual living costs. Ɛnam sɛ wɔde standard 4% safe withdrawal vector (a ɛne accumulation target a ɛyɛ w’afe afe sika a wosɛe no mmɔho 25 yɛ pɛ) a wɔde bedi dwuma so no, ankorankoro betumi atew ahonyade a ɛyɛ pɛpɛɛpɛ a ɛho hia na ama wɔatumi akura adwumayɛ ho ka a ɛkɔ so bere tenten a enhia sɛ wɔsɛe no titiriw.