No. of Recommendations: 1
I'm starting to think about moving my portfolio more towards a retirement stance.

There are so many options out there, so it depends on what you like.

You can do the 4% withdraw rate as is and adjust for inflation. IF things go well for awhile, you can adjust your withdraw amount upwards in $ amount, not necessarily % amount. Like pretending you're starting over.

Or, you can have about 5 years wants/needs expenses in a laddered CD. CD matures, live off it and then take out from your equity/bond/REIT position to fund another CD.

Personally, I'm building a portfolio to live off dividends.

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