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The idea is to avoid selling into a down market.
Threfore, if the first year of living on retirement income is a down year, do nothing, and live on the laddered bonds, money markets, etc.
If then the second year is a good year, sell enough stocks to replenish two years of retirement income needs. Both of the missing rungs of the ladder should be replaced.
If the first year is an excellent year, sell enough to replenish the account at that time, just replacing the year spent.
Anyway, that is my take on your question. Best wishes, Chris
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