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You need to set up a spreadsheet. During the first few years, your high yielding portfolio will generate more income than needed. After about a decade, the growth portfolio will be yielding enough.

But in the middle years, there is a dip. You need some money from the early years to fill in the void.

Which should be accounted for in the withdrawal rate calculation. Or are you saying that I have to plan on a reduced withdrawal while waiting for the growth portfolio to catch up?

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