No. of Recommendations: 1
Thanks for the 4% guideline. I'll use it. I'd taken a weak stab at accounting for inflation by wanting the ability to withdraw more than I need to. (... ingoring growth thru dividends ... if I could draw $500, but only drew $400 ... another fund would be drawn on for emergencies ... the $400 shortfall is based on an average for the last 12 months, all expenses considered)

And the fear I have is that the last 6 months Bond Fund prices is the 'something wrong'. That's why I want to go back 5 years.

Conceptually, is my approach OK? Using Quicken, with the price history of a fund, to track growth of an initial investment, so that I can try to predict long term impact of constant periodic withdrawals?

I can up the initial investment if needed. I have a very profitable investment which comprises too much of my stock portfolio that I can move part of in 2003. Tax impact of moving it in 2002 is such that I'll wait. That could make the $500 more attainable as 4% of the Bond Fund.

I'd then end up with about 50% of my portfolio in Stocks and Mutual Funds, and the other 50% in Bond Funds and CDs.

More thoughts? (As you can tell, I really want to find a way to acheive my objective ...)
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