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 ...namelyOriginal withdrawal = X% = $Ynext 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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