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However, the Safe Withdrawal Studies indicate that the survivability of al all stock portfolio for 30 years is dependent upon taking no more than 2.3% or so of your nest egg initial value for that 30 years period. (more if less years).

All well and good IF it is assumed that the holder of the account does NOTHING to enhance or positively alter his/he portfolio. In other words, if he or she just sticks the money in there and does nothing but "safely" withdraw 2.3% (or whatever).

Scott Burns writes a weekly column and has tracked his 'Couch Potato' portfolio. Lots of good reading at his site.

Exactly. "Couch Potato" account. I'm not a "couch potato". If the holder of the account DOES actively and successfully manage the account, buying and selling stocks, and perhaps managing to realize good dividends or other returns, those numbers may be far off.

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