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Good series of posts, I also went back to Pixy's earlier post and Rayvt Retirement Drawdown Portfolio. I thonk Orangeblood had a premise about 'safely being able to fund retirement AND not worrying about leaving anything to Heirs' It would seem the difference in various options is the growth in the value of the protfolio - they all seem to fund retirement cash flow.
So some basic questions that I hope are relavent:
1) Many people say 8% average is doing well over longhaul.
2) Investment money should only be funds you do not need for five plus years.
3) Peter Lynch et al who show that full investment in equities is always the best.
4) Common advice that a retiree should be 50% bonds

These points seem to be at odds with each other,or is it just ones tolerance for fluctuations ?

The 5% of 20 seems reasoable - Peter Lynch and all things considered. However I am tempted to think 'Use 8% not 11%; take a little hedge in Bonds; don't be tempted by potential for large portfolio for Heirs' and then it falls apart. Maybe you have to be fully invested and have enough to ride out down years, plus courage for the ride ????

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