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OldOne Date: 8/31/99 11:36 AM Number: 13555
I personally like the constant % of the value of the portfolio method. Most people will also get some Social Security, so there is a fixed "floor" income and the % variation in total income is dampened by this

I like the damping effect. It's even stronger in the the variation that moves the constant % into a cash-equivalent portfolio and then divides by 60 for the new year's expenditure rate. I would even be willing to consider to temporarily adjust the cash window to 3 years to further damp a downward fluctuation.
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