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Subject:  Re: Retirement Cash Flow Date:  2/18/2005  12:59 AM
Author:  Quakeboy02 Number:  44703 of 97415

"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 to consider is selling according to your asset allocation. If you live off of the fixed-income, then you are putting yourself at high risk for stock-market fluctuations due to drawing down your fixed-income funds. Your current allocation is 65% equities and 35% fixed income. So, why not keep it that way as you draw money out of it? If you need $100,000, then sell $65,000 worth of stock and use up no more than $35,000 from your fixed-income.

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