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1) I am 52 1/2 yrs old, just been laid-off, considering early retirement, have $400k in TMF Rule-Breaker port stocks, 200k in 401k soon to be IRA but don't want to use right now. My montly expenses will be 4300. I need more than the 'universal Wall Street gain average' of 10 - 11% to live on. My portfolio used to be more until AOL & AMZN fell hard over the last month (my 2 top-heavy holdings). I used to be feelin' good. Now I'm worried if they'll be going down even more. Anyway, please take into account the following data:
2) The Motley Fools Rule Breaker Portfolio have outperformed gains many times over the Wall Street average of 10 or 11% for years and years.
3) In current news: The great ride in Internet stocks is coming down to earth. Also the interest rates may go up thereby the stocks may go flat for awhile.
4) Financial Planners say I should use the Wall Street average of 10 or 11% in my calculations for estimated future gains.

Question - I want to use more than 10 -11% in my calc's, and I want to know why I can't based on the fact I'm a Rule Breaker. Why wouldn't I count on the RB stocks to outperform the average 10 - 11% in the next few years? I need more than the 'universal' 10%.

Could I anticipate more? How much more? Your detailed explanation would be very much appreciated.

a new boarder
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