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>I love the word, "definitive" :-) bingo

>>Defimitive means based on the future repeating the past.

And repeating with only S&P returns on stocks and Government Bonds!!!!

If you allocate a portion in Real Estate, Precious Metals (and I personally include 10% in dividend energy stocks that are beaten down) and allow for Municipal or even corporate debt, and since you have ex ante bonds returns (when held to maturity) the SAFE withdrawl rate can be much better than the % mentioned.

So I second Loki, as I usually do, A wing and a prayer!

fixed income is just that - fixed!

The prayer sometimes works, sometimes it doesn't.

Follow Paul: Income, Expenses - make a plan!

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