ww4321 writes,We have $500,000 to invest.One idea I have seen was to put 85% into SPY and 15% short term money market.Withdraw 4% from SPY in good years and use some of the 15% MM in bad years.</snip>I'd put the 15% in a short-term bond fund or something that pays interest. Money Market funds pay essentially zero interest today.intercst
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