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Subject:  Re: SS and Asset Allocation Date:  10/19/2018  11:22 AM
Author:  Rayvt Number:  90463 of 96300

It wouldn't even have to cover all expenses, just a significant portion. If you need 4% of your portfolio (excluding any calculation of NPV for SS) for income, but SS and/or pension provides income equal 1.5% of your portfolio, managing the portfolio to last 30 years or longer becomes a whole lot easier.

Yes, but you have the order wrong.

1st: SS & pension provides a portion of your income requirements.
2nd: The balance is provided by 4% (or lower or whatever) SWR withdrawal.

An outside source of income lowers the dollar amount that you need to withdraw from your investments.
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