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URL:  http://boards.fool.com/am-you-may-be-asking-the-wrong-question-i-23939517.aspx

Subject:  Re: Asset Allocation Date:  4/6/2006  3:54 PM
Author:  TwoCybers Number:  50939 of 76237

AM you may be asking the wrong question -- I suggest the more important question is "How much money can I get from my current retirement nest egg without running out of money?" -- Technically you need to say how long you expect to live on the money --

But if you basically want to be certain of not running out of money and being able to increase for the official, government cost of living increases (the CPI) -- the answer is in the range of 4.0 to 4.5% -- So if you have $400,000 --- you can expect to withdraw $16,000 to $18,000 in the first year -- and increase with the CPI. In order to make this work you need to invest about 60% of your money in something like and Index fund and 40% in bonds/CDs.

There is a whole lot of information on this at:

http://tinyurl.com/2ev63

Gordon
Atlanta

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