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No. of Recommendations: 1
How are you going to adjust for inflation?

Are you selling out of IRAs?

Do you need $100,000 or do you want $100,000?

Do you get social security?

What kind or ROR are you getting on your portfolio? Just estimating, using a return of 3% for fixed and 8% for equities, I come up with a portfolio return of around 6.25%. Your current withdrawal rate is 4%. If inflation is running at 3% or higher, you are losing ground each year.

One thing you might consider is pulling out 3 years of living expenses and parking them in fixed income. Then on an annual basis, you could move money from equities into the fixed income portion if your equity portion performed well. Otherwise you could wait another year.

Just some things to think about. But, we don't want to put the cart before the ox (I hate stupid sayings, but this one is appropriate.).

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