The Motley Fool Discussion Boards

Previous Page

Investing/Strategies / Retirement Investing

URL:  https://boards.fool.com/retirement-cash-flow-22088068.aspx

Subject:  Retirement Cash Flow Date:  2/18/2005  12:09 AM
Author:  donmanning Number:  44702 of 96966

I'm trying to plan for an income of $100,000 per year after-tax cash flow for our retirement. Our $2.5 million portfolio consists of 65% equities and 35% fixed income investments. Living expenses for 2005 are in a money market fund, 2006 and 2007 are in a CD ladder and 2008 and 2009 are in short and intermediate-term bond funds. The rest of our portfolio consists of stock mutual funds. My question is, what strategy should I use to sell the stock mutual funds to replenish the fixed-income investments as they are used up? One option is to sell equities each year to replenish the $100,000 of fixed-income funds, in which case I'll be selling in both up and down markets? Or should I use some criteria that would result in selling equities in "good" times, when the market is up? How can I know when the "up" times are? Any thoughts would be appreciated.
Foolishly yours,
donfool
Copyright 1996-2020 trademark and the "Fool" logo is a trademark of The Motley Fool, Inc. Contact Us