Katrina Shanks wrote first . The 4 rules of thumb, using the example as its base of a person retiring at age 65 with a balanced KiwiSaver fund of $100,000.

https://www.stuff.co.nz/business/opinion-analysis/300991481/make-your-money-last-longer-in-retirement

Mary Holm provided a similar approach

https://www.unisaver.co.nz/forms-and-resources/mary-holm-articles/rules-of-thumb-on-retirement-spending/

Enjoy