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Glenn writes:

David Braze wrote an article last year dealing with the idea that you should have a 5 year cushion of your expenses beyond your pension and SS benefits. These can be invested in money market accounts layered CDs or Treasuries, or bonds. The rest should be invested in the stock market. If you have a bad year like 2000 you will not need to sell stock for income, but can wait a year or two to refund your 5 year cushion. I'm not sure of the date or title of the article, but I would encourage you to read it.

Actually, I think I wrote several. The two that come to mind most readily are "What, Me Worry About a Meltdown?" at and "Asset Allocation in Retirement" at

The full listing of last year's archived articles may be found at


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