No. of Recommendations: 1
I think the "Duh" comment wasn't called for, even with the smiley face.

I'm sorry. I didn't mean to sound so flippant; I simply hit the submit button before thinking.

Obviously there is no risk of out living the portfolio. I was referring to the conceptual difference regarding living off your principal.

While he used the word "return", I doubt it was intentional (though I'll let him speak for himself, as I'll do him no good). So while you are correct, there is no 12% return to be had here - I think it was clear to anyone reading it that the 12% was going to utilize the principal.

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