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Rus I think you are asked a bad question. I don't care what withdraw rate this historical data say a 70% fixed portfolio would support for the last 30 years - it can't happen for the next 30 years.

During the last 30 years interest rates have fallen in the range of 10 percentage points. As interest rates fall, the face value of a fixed income instrument increases. People can disagree about future inflation and/or interest rates over the next 20 years, but there is no argument the 10 year Treasury bond rate will not be negative in your life time. And in the event rate climbs five or ten percentage points, fixed income paper may be worth less than toilet paper.

Gordon
Atlanta
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