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The original poster on this thread asked a good seem to be getting a bunch of different answers.

I don't think the reference you made to galeno's use of the word "yield" had anything to do with bonds. I say this because galeno is a MM/CD ladder plus tech stocks kind of guy (I'm oversimplifying - sorry galeno.) I suspect when he used yield it was in reference to the annual drawdown from the portfolio, not dividend yield, money market yield or bond yield.

If a portfolio is in distribution phase, I suppose you could say that there are a few different types of "yield" out there. Dividend yield (from stocks), Money market yields (from MMs), bond/CD yields, and the big daddy of them all, "portfolio yield" - which might include all the previous terms plus some drawdown from get you to your "withdrawl rate."

The idea is to keep this last one at a safe level.

Hope this helps a little.


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