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What to do, what to do?

Another good place to start is reading on the Guyton/Klinger strategy:
http://schulmerichandassoc.homestead.com/Using_Decision_Rule...



VERY interesting...

and (to me) a little complicated *..

my SWR strategy so far has been -- spend what you need, try not to over-do it.

when i did a look-back, was amazed to find i've been withdrawing almost exactly what their strategy says.



* and seemed backwards from what i thought the idea was ...namely
Original withdrawal = X% = $Y
next withdrawal = $Y * CPI factor /etc (rather than a % each year
( then they add the 'rules' .. if your portfolio goes down, if re-calculated % is high or low ... )
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