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Subject:  Re: Income Planning Assumption Date:  6/5/2007  7:25 PM
Author:  BruceCM Number:  57790 of 88542


The answers thus far have focused on portfolio Total Return, and from this, a 30 year (or thereabouts) safe withdrawal rate that would not, hy historic measures, depelete your investment assets over your remaining years.

There is another interpretation....portfolio yield = portfolio income. Sometimes this is referred to as capital preservation. Here you live off what your portfolio produces without ever consuming the income producing assets themselves, by investing in income producing stocks. This is a whole different way of deriving income during retirement, and warrents a whole separate discussion.

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