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<< I am nearing retirement and need a strategy for taking money out of my
investments to live on. Being as I dont't know anything about investing, I
put 25% of my money into Intermediate US Treasury Bonds and 75% into the
S&P 500 Index fund. I bought the bonds because I was told I would get some
protection if the stock price goes down, but I really don't understand how
this works. If stocks are up, should I withdraw from the stock fund and
not the bond fund? If stocks are down should I withdraw from the bond
fund? Should I withdraw an equal amount from both funds all of the time?
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