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Old 02-23-2018, 10:54 AM   #21
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I would say it's a risky idea. To get the returns you are asking it would have to be very high yield bonds etc. The other term for that is "junk bonds".

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Old 02-23-2018, 02:54 PM   #22
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Agreed that depending on 6 percent every year for say 30 is risky. What about a flexible withdrawal plan, perhaps more than 6% on good years, but potentially much less on bad ones. Need integrated financial plan accounting for social security, age/longevity, marital status, expenses (survival vs desired), etc.

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Old 02-23-2018, 03:53 PM   #23
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Originally Posted by marko View Post
Well, we've discussed this dead horse ad-finitum and I don't want to restart it now. But I always think of it as selling trees versus selling the land that the trees grow on.

False thinking, I know, but it helps me sleep at night.
But at least today you don't have to pay an advisor 1%+ to manage it for you. The old school never touching the principal is now trickling down four generations in my family. And that first generation started with less than nothin'. (it also helped that each generation had fewer kids than the prior).
Taking Social Security at 62 because it really doesn't matter that much.
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Old 02-23-2018, 04:59 PM   #24
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Originally Posted by parhur View Post
... Can I assume from a mix of REITS, preferred and common stocks, MLPs and some bonds that I could receive a 6 to 6.5% rate of return. ...
You can assume anything you like. Assume 10% if you want to.

The real world, however, will tell you your yield and it is unlikely to be as generous as you want it to be, particularly if we see mean reversion in stock markets' growth.

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