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I'm trying to plan for an income of $100,000 per year after-tax cash flow for our retirement. Our $2.5 million portfolio consists of 65% equities and 35% fixed income investments. Living expenses for 2005 are in a money market fund, 2006 and 2007 are in a CD ladder and 2008 and 2009 are in short and intermediate-term bond funds. The rest of our portfolio consists of stock mutual funds. My question is, what strategy should I use to sell the stock mutual funds to replenish the fixed-income investments as they are used up? One option is to sell equities each year to replenish the $100,000 of fixed-income funds, in which case I'll be selling in both up and down markets? Or should I use some criteria that would result in selling equities in "good" times, when the market is up? How can I know when the "up" times are? Any thoughts would be appreciated.
Foolishly yours,
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