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But CCinOC who posed the original question specifically rejects any stock allocation. So a stock/bond portfolio is not acceptable right off the bat.

My question would be, how did they get the $2 million accumulated? I'm sure they took some "risk" with stocks. So why the aversion now?

Every option given has its own set of risks, some with a greater perceived risk than others.

Personally, my plan is the gross majority of my retirement income to come from dividend growing stocks. With the dividends covering all my living expenses. And since they are dividend growth stocks, hopefully the increasing dividends keep pace or beat inflation.

In this scenario, I essentially don't care if the stock price goes down or up as long as the dividend is paid and keeps growing. Although it would be nice if they kept going up.

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