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Geneinca wrote,

<<<<<You wrote:
Be carefull with your $1 Mil. in stocks! You don't have it until you sell the equities. You could lose a lot if and when the market goes south. >>>>>

Trust me, that's true. I retired with 1M++ on Friday. On Monday, my particular equites went South and I lost 500K in less than a week (on paper). Now I have to be frugal until it recovers (it is, but slowly). Don't count those chickens...

It sounds like you have no where near the diversification of an S&P500 index fund.

The 4% withdrawal rate often mentioned on the Retire Early board is based on a portfolio of 76% stock (S&P500 index fund) and 24% fixed income securities. Replace the S&P500 index fund with the Foolish Four and the safe withdrawal rate drops to about 3%. Holding something like the Rule Breaker portfolio instead out the S&P500 drops the "safe" withdrawal rate down to about 1.2% of assets. See link:

It's OK to hold a concentrated portfolio in retirement, just make sure your withdrawal rate is low enough so that it's "survivable".

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